Term Share Certificates

Earn dividends easily with our flexible terms.

Watch Your Money Grow

It’s time to watch your money grow. With Term Share Certificates, we’re leading the way to a bright future with the tools to achieve your financial goals.

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Certificate Specials

Tired of earning next to nothing on your money? It's time to take action and boost your savings with our 4.25% APY Certificate Specials¹. Lock in this high-yield rate today and watch your money grow. This is a limited time offer, and you won't want to miss out.

Guaranteed 4.25% APY¹ for 12, 24, or 36 months
Eligible on new money or with a new checking account
Federally insured

Learn More About our Specials

Term Share Certificates Help Our Members Save

It’s time to start saving for tomorrow. Are you:

Looking for a way to grow your savings quickly?

Wanting to earn dividends on the money you deposit?

Seeking a flexible certificate where you can choose your term?

In search of simple banking tools to help you manage your money?

Ready to work toward your long-term financial goals?

Tiered Rates Encourage Healthy Savings Habits

Looking for a higher rate? Check out our limited time certificate specials.

Term Share Certificates

Term Length

Percent Earned

Term Length

11-Month Special

Percent Earned

3.50% APY¹

Term Length

12-Month Special

Percent Earned

4.25% APY¹

Term Length

24-Month Special

Percent Earned

4.25% APY¹

Term Length

36-Month Special

Percent Earned

4.25% APY¹

Term Length

3-Month Certificate

Percent Earned

0.30% APY¹

Term Length

Money Market Certificate

Percent Earned

1.25% APY¹

Term Length

6-Month Certificate

Percent Earned

2.50% APY¹

Term Length

12-Month Certificate

Percent Earned

2.50% APY¹

Term Length

24-Month Certificate

Percent Earned

2.50% APY¹

Term Length

36-Month Certificate

Percent Earned

2.50% APY¹

Term Length

48-Month Certificate

Percent Earned

2.50%

Term Length

60-Month Certificate

Percent Earned

2.50%

Looking for a higher rate? Check out our limited time certificate specials.

Earn more for longer terms

$1,000 minimum balance to open an account and earn dividends

Money may not be withdrawn before the term ends³

Highlights

The term savings account you need to meet your goals.

Track your savings with our free mobile app

Dividends accrue quarterly for terms 12 months and over

Earn more for longer terms

$1,000 minimum balance to open an account and earn dividends

Money may not be withdrawn before the term ends³

Track your savings with our free mobile app

Dividends accrue quarterly for terms 12 months and over

Open Your Account Today

Testimonials

What Our Members Are Saying About Leaders

Anytime I walk in my local branch I am greeted with a smiling face. They are always willing to go above and beyond to take care of whatever I need. They genuinely care and want my experience to be the best. With Leaders, I am not just another number, but a valued member of the credit union.

Erika Fair

West Tennessee Healthcare - Dyersburg, TN

Leaders goes above and beyond—always friendly, welcoming, and taking time to understand my needs and offer solutions. Their commitment to members is what sets them apart. If you're looking for a financial institution that cares, I highly recommend!

Blake Payne

Member - Memphis, TN

They stand out for exceptional benefits, including competitive rates and personalized guidance. Their deep commitment to the community is evident through local sponsorships, education, and volunteer efforts that make an impact. Choosing Leaders means supporting a place that invests in the place they call home.

Kenneth Cummings

City of Jackson - Jackson, TN

Leaders takes banking to a new level with exceptional customer service and genuine care for your well-being. Whether you're seeking a mortgage, financial counseling, or opening an account, you feel you have someone by your side. This extends beyond finances—they are dedicated to making a difference in their community too.

Cassidy Spencer

YMCA of Memphis & The Midsouth - Jackson, TN

The financial champions at Leaders truly go above and beyond to provide the utmost service to their members. I know that when I call their e-branch I’ll be treated as a person, not a number, every step of the way. That alone puts them a notch above in my book.

Henry Kilpatrick

Jackson State Community College - Jackson, TN

Are you ready to start saving today for a brighter tomorrow?

We’re here to lead the way to smart savings. Our free savings calculator can help you achieve your financial goals.

Enter your starting amount, estimated monthly savings, and interest rate to calculate how much you can save. You can use this information to fine-tune your long-term financial goals. You can even email your results to yourself, so they’ll always be accessible.

Frequently Asked Questions About
Certificates

Can I open a savings account online?: Yes. You can join Leaders Credit Union and open your new savings account online in just a few minutes.

Is there a minimum deposit to open a savings account?: That depends on the account. Some of our savings accounts have no minimum deposit requirement while others do require a minimum deposit. Minimum deposits start at $10.

Do I need to be a Leaders member to open a savings account?: Yes. Credit unions are owned by members and you must join to be a member. The membership fee is a one-time charge of $25.

What are dividends?: Dividends are money you earn for maintaining a balance in certain accounts. An account dividend is expressed as a percentage and calculated based on the average daily balance in the account for a month. Dividends are paid monthly or quarterly, depending on the account. The APY is the Annual Percentage Yield and represents the total actual percentage that a fixed sum in an account would earn in a year, including dividend accruals.

What are the dividend tiers for Term Share Certificates?: Leaders’ Term Share Certificate dividends are based on the term you choose. Earn APY¹ for a 3-month term, 2.50% APY¹ for a 6-month term, 2.50% APY¹ for a 12-month term, 2.50% APY¹ for a 24-month term, 2.50% APY¹ for a 36-month term, and our maximum percentage, 2.50% APY¹, for a 48- or 60-month term.

What is a pledged savings account?: When we say that our term-share certificates are pledged, we mean that you can neither deposit additional money or withdraw funds until the term has ended. At the end of the term, you may withdraw your funds or roll them into a new term to earn more money.

Disclosures

1. - APY= Annual Percentage Yield.

4.25% APY Certificate Specials

12-Month Certificate Special - For a limited time only. At maturity, the 12-Month Certificate Special will automatically renew as a 12-Month Certificate at the prevailing rate in effect at that time. This offer applies to new money only, defined as funds that have not been on deposit with us within the last 30 days. Existing members who do not have an existing checking account will be eligible for the Special Certificate if they open a new checking account.

24-Month Certificate Special - For a limited time only. At maturity, the 24-Month Certificate Special will automatically renew as a 24-Month Certificate at the prevailing rate in effect at that time. This offer applies to new money only, defined as funds that have not been on deposit with us within the last 30 days. Existing members who do not have an existing checking account will be eligible for the Special Certificate if they open a new checking account.

36-Month Certificate Special - For a limited time only. At maturity, the 36-Month Certificate Special will automatically renew as a 36-Month Certificate at the prevailing rate in effect at that time. This offer applies to new money only, defined as funds that have not been on deposit with us within the last 30 days. Existing members who do not have an existing checking account will be eligible for the Special Certificate if they open a new checking account.

2. - Earn 0.30% APY for a 3-month term, 2.50% APY for a 6-month term, 2.50% APY for a 12-month term, 2.50% APY for a 24-month term, 2.50% APY for a 36-month term, and our maximum percentage, 2.50% APY, for a 48- or 60-month term.

3. - Term Share Certificates closed before maturity are subject to early withdrawal penalties. Certificates may be used as collateral for low-interest loans.

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Term Share Certificates

Watch Your Money Grow

Term Share Certificates Help Our Members Save

It’s time to start saving for tomorrow. Are you:

Earn more for longer terms

$1,000 minimum balance to open an account and earn dividends

Money may not be withdrawn before the term ends³

Highlights

The term savings account you need to meet your goals.

Track your savings with our free mobile app

Dividends accrue quarterly for terms 12 months and over

Earn more for longer terms

$1,000 minimum balance to open an account and earn dividends

Money may not be withdrawn before the term ends³

Track your savings with our free mobile app

Dividends accrue quarterly for terms 12 months and over

Open Your Account Today

What Our Members Are Saying About Leaders

Are you ready to start saving today for a brighter tomorrow?

Frequently Asked Questions About
Certificates

Financial Wellness Articles

5 Essential Tips for Financial Wellness

Pros & Cons: Credit Union Personal Loans vs. Credit Cards

A First-Time Home Buyer's Guide

What is a Credit Union & Are They Required to be NCUA Insured?

Disclosures

All Leaders branches (including our call center) will be closed Saturday, July 4 in observance of Independence Day.

Online and mobile banking are available anytime, anywhere.

Welcome members

Term Share Certificates

Watch Your Money Grow

Term Share Certificates Help Our Members Save

It’s time to start saving for tomorrow. Are you:

Earn more for longer terms

$1,000 minimum balance to open an account and earn dividends

Money may not be withdrawn before the term ends³

Highlights

The term savings account you need to meet your goals.

Track your savings with our free mobile app

Dividends accrue quarterly for terms 12 months and over

Earn more for longer terms

$1,000 minimum balance to open an account and earn dividends

Money may not be withdrawn before the term ends³

Track your savings with our free mobile app

Dividends accrue quarterly for terms 12 months and over

Open Your Account Today

What Our Members Are Saying About Leaders

Are you ready to start saving today for a brighter tomorrow?

Frequently Asked Questions About Certificates

Financial Wellness Articles

5 Essential Tips for Financial Wellness

Pros & Cons: Credit Union Personal Loans vs. Credit Cards

A First-Time Home Buyer's Guide

What is a Credit Union & Are They Required to be NCUA Insured?

Disclosures

Frequently Asked Questions About
Certificates