What are the current interest rates at Leaders Credit Union?

Current rates for Leaders Credit Union include: 12-Month CD: 2.50%, 24-Month CD: 2.50%, 60-Month CD: 2.50%, Savings: 3.50%, MMA: 0.30%

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Leaders Credit Union Rates & Review October 2026

Q: How many branches does Leaders Credit Union operate?

Leaders Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Leaders Credit Union?

Yes, to access services at Leaders Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Leaders Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Leaders Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Leaders Credit Union's top rates as of October 9, 2026 are 5.00% APY on its 12 Month Welcome CD Special, 3.50% APY on savings, 0.30% APY on money market accounts, 0.75% APY on checking, personal loans from 9.24% APR, and credit cards from 15.90% APR, according to rates verified by MonitorBankRates. Other Leaders Credit Union CD rates include 12-Month CD Special at 4.25%, 12, 24, 36 Month 12/24/36 Month CD Special at 4.25%, and 24-Month CD Special at 4.25%. MonitorBankRates evaluates the financial stability of Leaders Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.77%. Rates last updated and verified on 10/09/2026.

Leaders Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Leaders Credit Union? Share your experience about Leaders Credit Union by leaving a review below, or read customer reviews before you decide to use Leaders Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.77%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Leaders Credit Union
Leaders Credit Union

87 Murray Guard Dr Ste A
Jackson, TN 38305-3775

https://www.leaderscu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Leaders Credit Union CD Rates

Product	Rate	APY	Term
12 Month Welcome Certificate Special	4.91%	5.00%	12 Month
Min Deposit $1,000 Details Open within 60 days of joining; one per person; $5,000 max deposit/balance; auto-renews as 12 Month Certificate. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
12-Month Certificate Special	4.17%	4.25%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
12, 24, 36 Month 12/24/36 Month Certificate Special	4.17%	4.25%	12, 24, 36 Month
Min Deposit $1,000 Details New money only (not on deposit within last 30 days). Compounded monthly. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
24-Month Certificate Special	4.17%	4.25%	24 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
36-Month Certificate Special	4.17%	4.25%	36 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
11 Month Certificate Special	3.45%	3.50%	11 Month
Min Deposit $1,000 Details Auto-renews as 12 Month certificate at then-current rate. Compounded monthly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
11-Month Certificate Special	3.45%	3.50%	11 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
11-Month Certificate Special	-	3.50%	11 months
Min Deposit $1,000 Details Limited time offer. At maturity, the 11-Month Certificate Special will automatically renew as a 12-Month Term Share Certificate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
12 Month Certificate	2.48%	2.50%	12 Month
Min Deposit $1,000 Details Balance tiers $1,000-$24,999.99 / $25,000-$49,999.99 / $50,000-$99,999.99 / $100,000+ all same rate. Dividends compounded quarterly. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
12 Month IRA Certificate	2.48%	2.50%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
12 Month IRA Certificate	2.48%	2.50%	12 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
12 Month IRA Certificate	2.48%	2.50%	12 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
12 Month IRA Certificate	2.48%	2.50%	12 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
24 Month Certificate	2.48%	2.50%	24 Month
Min Deposit $1,000 Details Balance tiers $1,000-$24,999.99 / $25,000-$49,999.99 / $50,000-$99,999.99 / $100,000+ all same rate. Dividends compounded quarterly. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
24 Month IRA Certificate	2.48%	2.50%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
24 Month IRA Certificate	2.48%	2.50%	24 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
24 Month IRA Certificate	2.48%	2.50%	24 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
24 Month IRA Certificate	2.48%	2.50%	24 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
36 Month Certificate	2.48%	2.50%	36 Month
Min Deposit $1,000 Details Balance tiers $1,000-$24,999.99 / $25,000-$49,999.99 / $50,000-$99,999.99 / $100,000+ all same rate. Dividends compounded quarterly. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
36 Month IRA Certificate	2.48%	2.50%	36 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
36 Month IRA Certificate	2.48%	2.50%	36 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
36 Month IRA Certificate	2.48%	2.50%	36 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
36 Month IRA Certificate	2.48%	2.50%	36 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
48 Month Certificate	2.48%	2.50%	48 Month
Min Deposit $1,000 Details Balance tiers $1,000-$24,999.99 / $25,000-$49,999.99 / $50,000-$99,999.99 / $100,000+ all same rate. Dividends compounded quarterly. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
48 Month IRA Certificate	2.48%	2.50%	48 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
48 Month IRA Certificate	2.48%	2.50%	48 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
48 Month IRA Certificate	2.48%	2.50%	48 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
48 Month IRA Certificate	2.48%	2.50%	48 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
6 Month Certificate	2.48%	2.50%	6 Month
Min Deposit $1,000 Details Balance tiers $1,000-$24,999.99 / $25,000-$49,999.99 / $50,000-$99,999.99 / $100,000+ all same rate. Dividends compounded quarterly. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
60 Month Certificate	2.48%	2.50%	60 Month
Min Deposit $1,000 Details Balance tiers $1,000-$24,999.99 / $25,000-$49,999.99 / $50,000-$99,999.99 / $100,000+ all same rate. Dividends compounded quarterly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
60 Month IRA Certificate	2.48%	2.50%	60 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
60 Month IRA Certificate	2.48%	2.50%	60 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
60 Month IRA Certificate	2.48%	2.50%	60 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
60 Month IRA Certificate	2.48%	2.50%	60 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
3 Month Certificate	0.30%	0.30%	3 Month
Min Deposit $1,000 Details All balance tiers same rate. Paid at maturity. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%

Leaders Credit Union Savings Rates

Product	Rate	APY
Forward Plus High Yield Savings	3.45%	3.50%
Details Single rate. Compounded monthly. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
WealthBuilder IRA Money Market Savings	0.30%	0.30%
Min Deposit $0 Details Compounded monthly. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
Christmas & Vacation Club	0.25%	0.25%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%

Leaders Credit Union Money Market Rates

Product	Rate	APY
WealthBuilder IRA Money Market	0.30%	0.30%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
WealthBuilder IRA Money Market Savings	0.30%	0.30%
Min Deposit $0 Details Compounded monthly. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%

Leaders Credit Union Business Checking Rates

Product	Rate	APY
Leading Edge Business Checking	0.75%	0.75%
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
Stability Business Checking	0.10%	0.10%
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%

Leaders Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOC	-	-	6.49%	15 Years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%

Leaders Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.49%	96 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99% Sep 29, 20264.49%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%

Leaders Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle & ATV Loans	-	6.29%	84 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.04% → 6.29% ▼ 1.75 pts · high 8.04% / low 6.29% Sep 29, 20266.29%▼ from 8.04% Sep 14, 20268.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
RV Loans	-	6.49%	180 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
Boat Loans	-	6.99%	144 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%

Leaders Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	15.90%
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.15% → 15.90% ▲ 2.75 pts · high 15.90% / low 13.15% Oct 9, 202615.90%▲ from 13.15% Sep 14, 202613.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%

Leaders Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan	9.24%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
Personal Loans	10.24%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
Personal Line of Credit	12.59%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%

Leaders Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Compass Black Loan	-	-	21.15%
Details APR up to 27.15% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 21.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
Compass Rewards Loan	-	-	15.90%
Details APR up to 26.40% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 13.15% → 15.90% ▲ 2.75 pts · high 15.90% / low 13.15% Oct 9, 202615.90%▲ from 13.15% Sep 14, 202613.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
Forward Plus High Yield	3.45%	-	3.50%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
Money Market Certificate	1.24%	-	1.25%	6 Month
Min Deposit $3,000 Details Minimum to earn $1,000.00. Compounded quarterly. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%
Share IRA	0.25%	-	0.25%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Leaders Credit Union’s Texas Ratio stayed near 4.69% in Q3 2023 to 4.77% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.4B	4.77%	5.0	A+
March 31, 2026	$1.3B	4.50%	5.0	A+
December 31, 2025	$1.3B	5.69%	5.0	A+
September 30, 2025	$1.3B	4.57%	5.0	A+
June 30, 2025	$1.2B	3.83%	5.0	A+
March 31, 2025	$1.2B	4.13%	5.0	A+
December 31, 2024	$1.1B	5.05%	5.0	A+
September 30, 2024	$1.1B	5.05%	5.0	A+
June 30, 2024	$1.1B	4.66%	5.0	A+
March 31, 2024	$1.0B	4.66%	5.0	A+
December 31, 2023	$989M	5.06%	5.0	A+
September 30, 2023	$973M	4.69%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Leaders Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Leaders Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Leaders Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Leaders Credit Union

Website https://www.leaderscu.com

Address 87 Murray Guard Dr Ste A, Jackson, TN 38305-3775

Phone 731-664-1784

Fax 731-660-8970

President Bart Teague

CEO Todd Swims

Full-Time Employees 224

Part-Time Employees 2

Branch Locations 10

ATM Locations 10

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.77%

Return on Assets (ROA)

0.6882%

Return on Equity (ROE)

6.4265%

Non-Performing Loans Ratio (NPL)

0.64%

Total Assets

1,405,565,071

Total Amount of Shares and Deposits

1,178,140,403

Total Shares and Deposits < 1 Year

1,032,339,976

Total Shares and Deposits 1 3 Years

95,476,967

Total Shares and Deposits > 3 Years

50,323,460

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

92,487,531

Total Uninsured Shares and Deposits > $250K (F+J)

221,379,187

Total Insured Shares and Deposits > $250K (item 17 less item K)

956,761,216

Total Interest Expense (Sum of items 6 8)

17,824,989

Share Certificates

5,620

Number of Accounts for Share Drafts

43,210

IRA KEOGH Accounts

809

Number of Accounts for Regular Shares

123,895

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

9,673,606

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

99,902,332

Total Liabilities

1,262,618,245

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Leaders Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Leaders Credit Union

How many branches does Leaders Credit Union operate?

Leaders Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Leaders Credit Union?

Yes, to access services at Leaders Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Leaders Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Leaders Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Leaders Credit Union offer online and mobile banking?

Most modern institutions like Leaders Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.leaderscu.com.