Credit union · NCUA insured
Leaders Credit Union Auto Loan Rates
Top CarrotLeaders Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 15, 2026.
How Leaders Credit Union’s auto loan rates compare
Compared with banks and credit unions near Jackson, TN, where Leaders Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Leaders Credit Union
4.49%APR
- Terms
- up to 96 months
- Discount
- None included
New & Used Auto Loans
2nd-lowest rate
Patriot Equity Credit Union
4.49%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
3rd-lowest rate
Southeast Financial Credit Union
4.50%APR
- Terms
- up to 60 months
- Discount
- None included
Leaders Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Leaders Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Boat Loans
Rates as low as 6.99% APR apply to well-qualified applicants with credit scores of 760, loan terms of 96 months, 2024 or newer models, and loan amounts up to $15,000. Loan term, loan to value (LTV), and/or down payment may vary based on credit history. Other restrictions may apply. Loan rate effective as of 05/18/2026, subject to change without notice. Personal watercraft such as jet skis are not included.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 6.99% | Rates as low as 6.99% APR apply to well-qualified applicants with credit scores of 760, loan terms of 96 months, 2024 or newer models, and loan amounts up to $15,000. Loan term, loan to value (LTV), and/or down payment may vary based on credit history. Other restrictions may apply. Loan rate effective as of 05/18/2026, subject to change without notice. Personal watercraft such as jet skis are not included. |
| up to 144 months | 6.99% | Flexible boat loan terms of up to 144 months. Easy online application process. |
Motorcycle & ATV Loans
Membership required ($25 fee and open Share Account with $10 minimum). Skip-a-pay eligible after 9 months ($35 fee). Dealer financing, GAP coverage, and warranties available.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.29% | Rates as low as 6.29% APR apply to well-qualified applicants with credit scores of 770, loan terms of 60 months, and 2025 or newer model. Loan term, loan to value (LTV), and/or down payment may vary based on credit history. Other restrictions may apply. Loan rate effective as of 09/29/2026, subject to change without notice. Payment example: 60 monthly payments of approximately $19.53 per $1,000 borrowed at 6.29% APR. Terms available up to 84 months. |
Sources (3)
All captured Oct 5, 2026
New & Used Auto Loans
Membership required (open Share Account with minimum $10 balance and $25 membership fee). Skip-a-pay eligible after 9 months ($35 fee). Dealer financing, GAP coverage, warranties, and pre-approval available.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 4.49% | Stated 'rates as low as 4.49% APR' apply to well-qualified applicants with credit scores of 760, loan terms of 36 months, and vehicles with less than 80,000 miles. Loan term, loan to value (LTV), and/or down payment may vary based on credit history. Flexible terms available up to 96 months. Payment example: 36 monthly payments of approximately $29.80 per $1,000 borrowed at 4.49% APR. |
Sources (3)
All captured Oct 5, 2026
RV Loans
Rates as low as 6.49% APR apply to well-qualified applicants with credit scores of 760, loan terms of 96 months, 2026 or newer model, and a minimum loan amount of $15,000. Loan term, loan to value (LTV), and/or down payment may vary based on credit history. Other restrictions may apply. Loan rate effective as of 05/18/2026, subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 96 months | 6.49% | Rates as low as 6.49% APR apply to well-qualified applicants with credit scores of 760, loan terms of 96 months, 2026 or newer model, and a minimum loan amount of $15,000. Loan term, loan to value (LTV), and/or down payment may vary based on credit history. Other restrictions may apply. Loan rate effective as of 05/18/2026, subject to change without notice. |
| up to 180 months | 6.49% | Flexible RV loan terms up to 180 months. Easy online application process. |
Who can join Leaders Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone living, working, worshiping, or attending school in Madison, Chester, Dyer, Haywood, Lake, Lauderdale, or McNairy Counties (TN), Crittenden County (AR), or designated parts of Carroll, Crockett, Fayette, Gibson, Hardeman, Henderson, Henry, Shelby, Tipton, and Weakley Counties (TN).
Employers and groups
- Eligibility is open to members and employees of Associational Groups including Leaders Education Foundation, Boys and Girls Club of West TN, and the Jackson Theater Guild.
- Eligibility is open to individuals who work in education, healthcare, or communications.
- Eligibility is open to employees of businesses located in Obion County, Tennessee with fewer than 500 full-time employees.
- Eligibility is open to employees of Select Employer Groups (SEGs).
Family and household
- Eligibility is open to family members of individuals who qualify for membership.
Membership information collected October 5, 2026.