What are the current interest rates at Leading Edge Credit Union?

Current rates for Leading Edge Credit Union include: 12-Month CD: 3.00%, 24-Month CD: 3.20%, 60-Month CD: 2.59%, Savings: 0.10%, MMA: 2.02%

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Leading Edge Credit Union

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Leading Edge Credit Union Rates & Review September 2026

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

Yes, to access services at Leading Edge 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Leading Edge 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: September 22, 2026

Leading Edge Credit Union's 24 month CD of Deposit rates are at 3.49%, 36 month CD of Deposit rates are at 3.22%, IRA CD - 24 month rates are at 3.20%, 12 month CD of Deposit rates are at 3.19%, IRA CD - 36 month rates are at 3.10%. Leading Edge Credit Union's savings rates are at 0.10%. Leading Edge Credit Union's money market rates are at 2.02%. Leading Edge Credit Union's Personal Loan Rates are as low as 10.29%. Leading Edge Credit Union's Credit Card Rates are at 15.00%. MonitorBankRates evaluates the financial stability of Leading Edge Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.83%. Rates last updated and verified on 09/22/2026.

Leading Edge 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 Leading Edge Credit Union? Share your experience about Leading Edge Credit Union by leaving a review below, or read customer reviews before you decide to use Leading Edge Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.83%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Leading Edge Credit Union
Worthington

1127 Ryans Rd
Worthington, MN 56187

https://www.leadingedgecu.org

Leading Edge Credit Union CD Rates

Product	Rate	APY	Term
24 month Certificate of Deposit	3.46%	3.49%	24 Months
Min Deposit $500 Min Balance $500 Details All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
36 month Certificate of Deposit	3.19%	3.22%	36 Months
Min Deposit $500 Min Balance $500 Details All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
IRA CD - 24 month	3.18%	3.20%	24 Months
Min Deposit $2,500 Min Balance $2,500 Details All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
12 month Certificate of Deposit	3.17%	3.19%	12 Months
Min Deposit $500 Min Balance $500 Details All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
IRA CD - 36 month	3.08%	3.10%	36 Months
Min Deposit $2,500 Min Balance $2,500 Details All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
IRA CD - 12 month	2.98%	3.00%	12 Months
Min Deposit $2,500 Min Balance $2,500 Details All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
48 month Certificate of Deposit	2.97%	2.99%	48 Months
Min Deposit $500 Min Balance $500 Details All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
IRA CD - 48 month	2.97%	2.99%	48 Months
Min Deposit $2,500 Min Balance $2,500 Details All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
6 month Certificate of Deposit	2.73%	2.75%	6 Months
Min Deposit $500 Min Balance $500 Details All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
60 month Certificate of Deposit	2.57%	2.59%	60 Months
Min Deposit $500 Min Balance $500 Details All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%

Leading Edge Credit Union Savings Rates

Product	Rate	APY
Christmas Club	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details All savings accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Young Bucks Savings Account	0.52%	0.52%
Min Deposit $10 Min Balance $10 Details All savings accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Young Investors Savings Account	0.52%	0.52%
Min Deposit $5 Min Balance $5 Details All savings accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Share Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details All savings accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%

Leading Edge Credit Union Money Market Rates

Product	Rate	APY
Edge Money Market	2.00%	2.02%
Min Deposit $2,500 Min Balance $2,500 Details All savings accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Edge Money Market	2.00%	2.02%
Min Deposit $50,000 Min Balance $50,000 Details All savings accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Edge Money Market	2.00%	2.02%
Min Deposit $100,000 Min Balance $100,000 Details All savings accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%

Leading Edge Credit Union Checking Rates

Product	Rate	APY
Advantage Checking	2.00%	2.02%
Min Balance $0 Details Qualifications Required: E-statement enrollment; Ten (10) debit card transactions must post and settle to your account during the qualification period; At least one direct deposit or ACH debit must post to the accoun during the qualification period; Advantage Checking: The qualification period begins on the first day of the current calendar month and ends on the last day of the current calendar month. E-statement enrollment must be active on the last calendar day of the month to qualify. Ten (10) debit card transactions must post and settle to your account during the qualification period. At least one direct deposit or ACH debit must post to the accoun during the qualification period. When qualifications are met for the qualification month, (1) balances up to $20,000 receive an APY* of 2.02% and balances over $20,000 receive an APY* of 0.50%, resulting in a range of 2.02%-0.50%, depending on the balance. If qualifications are not met during the qualification period, no APY* is earned. Limit one per member. All checking accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Prestige Checking	1.00%	1.00%
Min Balance $0 Details All checking accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Young Investors Checking Account	0.52%	0.52%
Details All checking accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Advantage Checking	0.50%	0.50%
Min Balance $0 Details Qualifications Required: E-statement enrollment; Ten (10) debit card transactions must post and settle to your account during the qualification period; At least one direct deposit or ACH debit must post to the accoun during the qualification period; Advantage Checking: The qualification period begins on the first day of the current calendar month and ends on the last day of the current calendar month. E-statement enrollment must be active on the last calendar day of the month to qualify. Ten (10) debit card transactions must post and settle to your account during the qualification period. At least one direct deposit or ACH debit must post to the accoun during the qualification period. When qualifications are met for the qualification month, (1) balances up to $20,000 receive an APY* of 2.02% and balances over $20,000 receive an APY* of 0.50%, resulting in a range of 2.02%-0.50%, depending on the balance. If qualifications are not met during the qualification period, no APY* is earned. Limit one per member. All checking accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Prestige Checking	0.02%	0.02%
Min Balance $0 Details All checking accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%

Leading Edge Credit Union Auto Loan Rates

Product	Rate	Points	APR
Cars, trucks and SUVS Loan	-	-	5.29%
Details As Low As; Rates accurate as of September 21, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
New Vehicles Loan	-	-	5.29%
Details Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may vary based on age of collateral and term of loan. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Used Vehicles Loan	-	-	5.29%
Details Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may vary based on age of collateral and term of loan. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%

Leading Edge Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Recreational Vehicles Loan	-	6.49%
Details Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may vary based on age of collateral and term of loan. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
RVs Loan	-	6.49%
Details As Low As; Rates accurate as of September 21, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Boats Loan	-	6.79%
Details Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may vary based on age of collateral and term of loan. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%

Leading Edge Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	15.00%
Details Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may vary based on age of collateral and term of loan. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Visa Classic Credit Card	-	17.00%
Details Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may vary based on age of collateral and term of loan. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%

Leading Edge Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	10.29%
Details Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may vary based on age of collateral and term of loan. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%

Leading Edge Credit Union Other Rates

Product	Rate	Points	APY/APR
Motor sports and trailers Loan	-	-	7.29%
Details As Low As; Rates accurate as of September 21, 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Power Sports Loan	-	-	7.29%
Details Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may vary based on age of collateral and term of loan. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
IRAs (Traditional, Roth, SEP, and Coverdell Education)	0.40%	-	0.40%
Details All savings accounts require ownership of at least one $5.00 share in the credit union to open the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%

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

Leading Edge Credit Union’s Texas Ratio stayed near 6.34% in Q2 2023 to 6.83% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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
March 31, 2026	$146M	6.83%	5.0	A
December 31, 2025	$139M	6.30%	5.0	A
September 30, 2025	$141M	7.83%	5.0	A
June 30, 2025	$145M	10.45%	5.0	A
March 31, 2025	$150M	9.21%	5.0	A
December 31, 2024	$143M	7.67%	5.0	A
September 30, 2024	$144M	6.10%	5.0	A
June 30, 2024	$144M	6.47%	5.0	A
March 31, 2024	$149M	8.07%	5.0	A
December 31, 2023	$145M	7.71%	5.0	A
September 30, 2023	$148M	7.26%	5.0	A
June 30, 2023	$144M	6.34%	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 Leading Edge 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 Leading Edge 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 Leading Edge Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Leading Edge Credit Union

Website https://www.leadingedgecu.org

Address 1127 Ryans Rd, Worthington, MN 56187

Phone 507-372-5959

Fax

President Randy Donahue

CEO Chad Merrihew

Full-Time Employees 41

Part-Time Employees 1

Branch Locations 5

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.83%

Return on Assets (ROA)

0.0365%

Return on Equity (ROE)

0.4203%

Non-Performing Loans Ratio (NPL)

0.85%

Total Assets

146,004,642

Total Amount of Shares and Deposits

131,690,570

Total Shares and Deposits < 1 Year

120,779,675

Total Shares and Deposits 1 3 Years

10,901,338

Total Shares and Deposits > 3 Years

9,557

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

5,914,820

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

5,914,820

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

125,775,750

Total Interest Expense (Sum of items 6 8)

621,631

Share Certificates

1,160

Number of Accounts for Share Drafts

7,882

IRA KEOGH Accounts

160

Number of Accounts for Regular Shares

14,080

Money Market Shares

1,123

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

53,301

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)

18,537,340

Total Liabilities

133,603,091

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Leading Edge Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Leading Edge Credit Union

How many branches does Leading Edge Credit Union operate?

Leading Edge 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 Leading Edge Credit Union?

Yes, to access services at Leading Edge 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, Leading Edge 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, Leading Edge Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Leading Edge Credit Union offer online and mobile banking?

Most modern institutions like Leading Edge 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.leadingedgecu.org.