Credit union · NCUA insured
Leaders Credit Union CD Rates
Top CarrotLeaders Credit Union’s best CD rate is 5.00% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Leaders Credit Union’s CD rates compare
Compared with banks and credit unions near Jackson, TN, where Leaders Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Leaders Credit Union
4.25%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $425
12-Month Certificate Special
Top rate
Paragon Bank
4.39%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $476
3rd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $169
Leaders Credit Union CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Leaders Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Welcome Certificate Special
5.00%APY · 1 term
Must be opened within 60 days after the member joins the credit union. Limited to one welcome certificate per person even if the person has more than one membership account. Maximum permitted deposit and balance is $5,000.00. At maturity, automatically renews as a 12 Month Certificate at prevailing rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded and credited quarterly. Fixed rate | 5.00% | — |
Sources (1)
- leaderscu.com/hubfs/Documents/Leaders-Rates-Consumer.pdf · captured Sep 24, 2026
12-Month Certificate Special
4.25%APY · 1 term
Limited time only. Applies to new money only (funds not on deposit with the credit union within the last 30 days). Existing members without a checking account can qualify by opening a new checking account. At maturity, automatically renews as a 12 Month Certificate at prevailing rate. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded and credited monthly. Fixed rate. Limited time offer for new money only | 4.25% | $425 |
Sources (2)
All captured Sep 24, 2026
24-Month Certificate Special
4.25%APY · 1 term
Limited time only. Applies to new money only (funds not on deposit within the last 30 days). Existing members without a checking account become eligible by opening a new checking account. Automatically renews as a 24 Month Certificate at prevailing rate. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsDividends earned and compounded monthly. Limited time offer for new money only | 4.25% | $868 |
Sources (2)
All captured Sep 24, 2026
36-Month Certificate Special
4.25%APY · 1 term
Limited time only. Applies to new money only (funds not on deposit within the last 30 days). Existing members without a checking account become eligible by opening a new checking account. Automatically renews as a 36 Month Certificate at prevailing rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsDividends earned and compounded monthly | 4.25% | $1,330 |
Sources (2)
All captured Sep 24, 2026
11-Month Certificate Special
3.50%APY · 1 term
Limited-time offer. At maturity, automatically renews as a 12-Month Term Share Certificate. Early withdrawal penalties apply. Fixed rate account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsFixed-rate certificate special. Dividends earned and compounded monthly | 3.50% | $320 |
Term Share Certificates
Up to 2.50%APY · 7 terms
Federally insured up to $250,000. Early withdrawal penalties apply if closed before maturity. May be used as collateral for low-interest loans. At renewal, renews for the same term at the prevailing rate with a 5 business day grace period. Fixed and tiered rate accounts paying dividend rates based on Method A.
| Term | APY · $1,000 – $25,000 | APY · $1,000 and up | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 monthsDividends earned at maturity / compounded and credited quarterly | 0.30% | — | 0.30% | 0.30% | 0.30% | 0.30%0.30% $25k–$50k0.30% $50k–$100k0.30% from $100k | $7 |
| 6 monthsDividends earned at maturity / compounded and credited quarterly | 2.50% | — | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$50k2.50% $50k–$100k2.50% from $100k | $124 |
| 12 monthsDividends earned quarterly / compounded and credited quarterly | 2.50% | — | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$50k2.50% $50k–$100k2.50% from $100k | $250 |
| 24 monthsDividends earned quarterly / compounded and credited quarterly | — | 2.50% | — | — | — | 2.50% | $506 |
| 36 monthsDividends earned quarterly / compounded and credited quarterly | — | 2.50% | — | — | — | 2.50% | $769 |
| 48 monthsDividends earned quarterly / compounded and credited quarterly | — | 2.50% | — | — | — | 2.50% | $1,038 |
| 60 monthsDividends earned quarterly / compounded and credited quarterly | — | 2.50% | — | — | — | 2.50% | $1,314 |
Money Market Certificate
1.25%APY · 1 term
Money Market Certificate has a 6-month term with penalty-free withdrawal flexibility (one withdrawal per calendar month in lieu of early withdrawal penalty; excessive withdrawal service charge applies to subsequent withdrawals). Requires $3,000 minimum opening deposit ($1,000 minimum to earn dividends). Subsequent deposits are permitted. Auto-renews if balance is at least the required minimum opening balance.
| Term | APY · $1,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsDividends compounded and credited quarterly. Term of 6 months. One withdrawal allowed per calendar month without early withdrawal penalty | 1.25% | 1.25% | 1.25% | 1.25% | 1.25%1.25% $25k–$50k1.25% $50k–$100k1.25% from $100k | $62 |
Special-purpose accounts
IRA Certificates
2.50%APY · 5 terms
Available as Traditional, Roth, or Education Savings Account (ESA) certificates. Minimum opening balance and minimum balance to earn dividends is $1,000. Early withdrawal penalties apply for closing before maturity. Fixed and tiered rate accounts paying dividend rates based on Method A.
| Term | APY · $1,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 monthsDividends compounded and credited quarterly | 2.50% | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$50k2.50% $50k–$100k2.50% from $100k | $250 |
| 24 monthsDividends compounded and credited quarterly | 2.50% | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$50k2.50% $50k–$100k2.50% from $100k | $506 |
| 36 monthsDividends compounded and credited quarterly | 2.50% | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$50k2.50% $50k–$100k2.50% from $100k | $769 |
| 48 monthsDividends compounded and credited quarterly | 2.50% | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$50k2.50% $50k–$100k2.50% from $100k | $1,038 |
| 60 monthsDividends compounded and credited quarterly | 2.50% | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$50k2.50% $50k–$100k2.50% from $100k | $1,314 |
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.