Credit union · NCUA insured
Leaders Credit Union Credit Card Rates
Top CarrotLeaders Credit Union credit cards start at 21.15% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Leaders Credit Union’s credit card rates compare
Compared with banks and credit unions near Jackson, TN, where Leaders Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Leaders Credit Union
21.15%APR
- Up to
- 27.15% APR
Compass Black
Lowest rate
Enlighten Federal Credit Union
10.90%APR
- Up to
- 16.90% APR
2nd-lowest rate
Southeast Financial Credit Union
12.00%APR
- Up to
- —
Leaders Credit Union credit card score
60
Credit card score
Higher than 0% of U.S. banks and credit unions
- Purchase APRPurchase APR21.15%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Compass Black
Leaders Credit Union membership required ($25 one-time charge). No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% Introductory APR for the first 6 months from account opening. To be eligible, cardholder cannot have opened another Compass Rewards or Compass Black card within the last 36 months. |
| Ongoing | 21.15%–27.15% | None | Standard variable rate determined by creditworthiness (indexed to WSJ Prime Rate plus 14.90% - 20.90%). Penalty APR is 27.99%. |
Sources (3)
All captured Oct 15, 2026
Compass Rewards
Leaders Credit Union membership required ($25 one-time charge). No annual fee. Penalty APR is 27.99%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Introductory APR for the first 12 months from account opening. To be eligible, cardholder cannot have opened another Compass Rewards or Compass Black card within the last 36 months. Transfer fee during intro period is 5% or $10, whichever is greater (regularly 2% or $10). Cash advance fee is 3% or $10, whichever is greater. |
| Ongoing | 15.90%–26.40% | None | At the end of the introductory period, the APR for all new and outstanding purchases, transfer balances and cash advances will be a variable rate indexed to WSJ Prime Rate plus 8.90%-19.40%, determined by creditworthiness. Regular transfer fee 2% or $10, whichever is greater; cash advance fee 3% or $10, whichever is greater. Penalty APR is 27.99%. |
Sources (3)
All captured Oct 15, 2026
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.