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.

View Account Highlights

Certificate Specials

Tired of earning next to nothing on your money? It's time to take action and boost your savings with our 11-Month Certificate at 5.25% APY¹. 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.

Rates as high as 5.25% APY¹
Fixed and variable options
Rates are rising, earn more on what’s yours

Learn More About our Specials

Couple smiling about their great cd rate

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 Certificate Special

Percent Earned

5.25% APY¹

Term Length

24 Month Forward Flex

Percent Earned

4.50% 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

3.00% APY¹

Term Length

24-Month Certificate

Percent Earned

3.00% APY¹

Term Length

36-Month Certificate

Percent Earned

3.00% APY¹

Term Length

48-Month Certificate

Percent Earned

3.00% APY¹

Term Length

60-Month Certificate

Percent Earned

3.00% APY¹

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Money may not be withdrawn before the term ends³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Money may not be withdrawn before the term ends³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

Leaders Credit Union embodies exceptional service to their members, innovation in banking, and leadership in the community. My family knows that Leaders will always be there for us, whether buying a home, paying off a car, or building savings.

Luke Pruett

LeBonheur Children’s Hospital

Leaders Credit Union prides itself on supporting the local community and investing in members’ experience. Leaders is more than a financial institution — it’s family!

Maliah Harmon

Ingram Content Group

The personal service and care I receive from Leaders is second to none. Their outstanding online and mobile presence makes banking easier for me and my often-times hectic lifestyle. At the end of the day, I know they have my best interests in mind.

Jason A. Sykes

Bartlett City Schools

Your financial champion was fantastic in opening an account for my oldest daughter. He took the time to answer all the questions we had about the process, even the bonus ones thrown his way by my other kids. I cannot say enough great things about Leaders and how thankful I am bank with you!

Amanda D. Stewart

Future Leader Savings

Our experience in getting a HELOC from Leaders was awesome! We were able to complete the paperwork and get it funded very quickly. Once it was funded, we were able to move money from that account into our checking account, all through the Leaders mobile app.

Dave Bratcher

YMCA of West Tennessee

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. Once you are a Leaders Credit Union member, you can open a 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, 3.00% APY¹ for a 12-month term, 3.00% APY¹ for a 24-month term, 3.00% APY¹ for a 36-month term, and our maximum percentage, 3.00% 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.

11 Month Certificate Special – For a limited time only. At maturity, the 11-Month Certificate Special will automatically renew as a 12-Month Term Share Certificate.

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 01/01/2023 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.

2. - Earn 0.30% APY for a 3-month term, 2.50% APY for a 6-month term, 3.00% APY for a 12-month term, 3.00% APY for a 24-month term, 3.00% APY for a 36-month term, and our maximum percentage, 3.00% 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

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