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Term Share Certificates

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.
Open Term Share Certificate View Account Highlights
Certificate Specials

Tired of chasing rates? Lock in your money with a fixed-rate certificate or let it roll with a variable rate Forward Flex certificate that tracks with the market. Rest assured you’re getting a great rate on your money with Leaders!

 

  • Rates as high as 4.50% APY¹
  • Fixed and variable options
  • Rates are rising, earn more on what’s yours
Certificate Specials at Leaders Credit Union

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?
Open Term Share Certificate
Term-Share Certificates
Tiered Rates Encourage Healthy Savings Habits

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

Term Length
Percent Earned
Term Length
18 Month Certificate Special
Percent Earned
4.00% APY¹
Term Length
24 Month Forward Flex
Percent Earned
4.50% APY¹
Term Length
Money Market
Percent Earned
1.25% APY¹
Term Length
3 Month
Percent Earned
0.30% APY¹
Term Length
6 Month
Percent Earned
0.40% APY¹
Term Length
12 Month
Percent Earned
0.50% APY¹
Term Length
36 Month
Percent Earned
0.70% APY¹
Term Length
24 Month
Percent Earned
0.60% APY¹
Term Length
48 Month
Percent Earned
0.80% APY¹
Term Length
60 Month
Percent Earned
0.80% APY¹

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

Earn more

Earn more for longer terms

minimum balance

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

withdrawn before the term ends

Money may not be withdrawn before the term ends³

Highlights

Term-Share Certificates

The term savings account you need to meet your goals.

Open Term Share Certificate
free mobile app

Track your savings with our free mobile app

Dividends accrue quarterly

Dividends accrue quarterly for terms 12 months and over

Earn more

Earn more for longer terms

minimum balance

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

withdrawn before the term ends

Money may not be withdrawn before the term ends³

free mobile app

Track your savings with our free mobile app

Dividends accrue quarterly

Dividends accrue quarterly for terms 12 months and over

Open Your Account Today

Apply Now

Testimonials

What Our Members Are Saying About Leaders

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

Yes. Once you are a Leaders Credit Union member, you can open a new savings account online in just a few minutes.
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.

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.

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.
Leaders’ Term Share Certificate dividends are based on the term you choose. Earn APY¹ for a 3-month term, 0.40% APY¹ for a 6-month term, 0.50% APY¹ for a 12-month term, 0.60% APY¹ for a 24-month term, 0.70% APY¹ for a 36-month term, and our maximum percentage, 0.80% APY¹, for a 48- or 60-month term.
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.

Still have questions? Visit our Help Center.

Disclosures

1. - APY= Annual Percentage Yield.

Forward Flex Certificate – For a limited time only. The Certificate is for 24 months and has a variable rate based on the Fed Funds rate. The Annual Percentage Yield (APY) of 4.50% is accurate as of 12/21/2022 and may change monthly at the beginning of the next dividend cycle. The APY is subject to a ceiling of 4.5% and a floor of 0.75%. Funds are locked with normal early withdrawal penalty. At maturity, the Forward Flex Certificate will automatically renew as a 24-Month Term Share Certificate.

18 Month Certificate Special – For a limited time only. At maturity, the 18-Month Certificate Special will automatically renew as a 12-Month Term Share Certificate. 

2. - Earn 0.30% APY for a 3-month term, 0.40% APY for a 6-month term, 0.50% APY for a 12-month term, 0.60% APY for a 24-month term, 0.70% APY for a 36-month term, and our maximum percentage, 0.80% 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.