Leaders Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Leaders Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on a 12-month promotional CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.30% to 2.50% APY.
Tracking began .
Leaders Credit Union CD & share certificate rates
Membership required. Certificate specials (11 to 36 months) and standard certificates with a $1,000 minimum to open and earn dividends. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3-Month Certificate | $1,000same APY in 4 balance tiers | 0.30% | −4.00% | Top 90% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | 6-Month Certificate | $1,000same APY in 4 balance tiers | 2.50% | −1.90% | Top 77% of tracked 6-month CDs · Verified October 22, 2026 |
| 11 months | 11-Month Certificate Special Promotional | $1,000 | 3.50% | −1.04% | Verified October 22, 2026 |
| 12 months | 12-Month Certificate Special Promotional | $1,000 | 4.25% | −0.32% | Top 12% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 12-Month Certificate | $1,000same APY in 4 balance tiers | 2.50% | −2.07% | Top 79% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | 24-Month Certificate Special Promotional | $1,000 | 4.25% | −0.62% | Top 13% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 24-Month Certificate | $1,000same APY in 4 balance tiers | 2.50% | −2.37% | Top 76% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 36-Month Certificate Special Promotional | $1,000 | 4.25% | −0.70% | Top 11% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | 36-Month Certificate | $1,000same APY in 4 balance tiers | 2.50% | −2.45% | Top 74% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48-Month Certificate | $1,000same APY in 4 balance tiers | 2.50% | −2.48% | Top 71% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60-Month Certificate | $1,000same APY in 4 balance tiers | 2.50% | −2.51% | Top 74% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.25% APY (12 months). The standard rate for a similar term is 2.50% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $175 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Leaders Credit Union's best CD rates by term?
Leaders Credit Union's best rate is 4.25% APY on 12 months, verified October 22, 2026.
- 3 mo0.30%
- 6 mo2.50%
- 11 mo3.50%
- 12 mo4.25%
- 24 mo4.25%
- 36 mo4.25%
- 48 mo2.50%
- 60 mo2.50%
How much interest could a Leaders Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$425.00 interest · $10,425.00 at maturity on $10,000.00.
4.25% APY · 12 months · 12-Month Certificate Special · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $3.740.30% APY · 3-Month Certificate · Standard | $7.470.30% APY · 3-Month Certificate · Standard | $18.680.30% APY · 3-Month Certificate · Standard | $37.360.30% APY · 3-Month Certificate · Standard |
| 6 months | $62.292.50% APY · 6-Month Certificate · Standard | $124.572.50% APY · 6-Month Certificate · Standard | $311.432.50% APY · 6-Month Certificate · Standard | $622.852.50% APY · 6-Month Certificate · Standard |
| 11 months | $160.393.50% APY · 11-Month Certificate Special · Promotional | $320.783.50% APY · 11-Month Certificate Special · Promotional | $801.943.50% APY · 11-Month Certificate Special · Promotional | $1,603.883.50% APY · 11-Month Certificate Special · Promotional |
| 12 months | $212.504.25% APY · 12-Month Certificate Special · Promotional | $425.004.25% APY · 12-Month Certificate Special · Promotional | $1,062.504.25% APY · 12-Month Certificate Special · Promotional | $2,125.004.25% APY · 12-Month Certificate Special · Promotional |
| 24 months | $434.034.25% APY · 24-Month Certificate Special · Promotional | $868.064.25% APY · 24-Month Certificate Special · Promotional | $2,170.164.25% APY · 24-Month Certificate Special · Promotional | $4,340.314.25% APY · 24-Month Certificate Special · Promotional |
| 36 months | $664.984.25% APY · 36-Month Certificate Special · Promotional | $1,329.964.25% APY · 36-Month Certificate Special · Promotional | $3,324.894.25% APY · 36-Month Certificate Special · Promotional | $6,649.784.25% APY · 36-Month Certificate Special · Promotional |
| 48 months | $519.062.50% APY · 48-Month Certificate · Standard | $1,038.132.50% APY · 48-Month Certificate · Standard | $2,595.322.50% APY · 48-Month Certificate · Standard | $5,190.642.50% APY · 48-Month Certificate · Standard |
| 60 months | $657.042.50% APY · 60-Month Certificate · Standard | $1,314.082.50% APY · 60-Month Certificate · Standard | $3,285.212.50% APY · 60-Month Certificate · Standard | $6,570.412.50% APY · 60-Month Certificate · Standard |
How Leaders Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 37 of 369 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Leaders Credit Union (this institution)12-Month Certificate Special · Promotional | 12 months | $1,000 | Membership required · branches in TN | 4.25% | October 22, 2026 |
| TVA Credit Union12 Month Certificate Account · Promotional | 12 months | $2,500 | Membership required · branches in TN | 5.00% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Leaders Credit Union on October 22, 2026.
About Leaders Credit Union
- Legal name
- Leaders Credit Union
- Regulator ID
- NCUA 61185
- Headquarters
- Jackson, TN
- Available in
- TN
- Total assets
- $1.4 billion
- Also known as
- Website
- www.leaderscu.com
Source: rates read from https://www.leaderscu.com/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Leaders Credit Union?
Among the rates we track, 4.25% APY on a 12-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Leaders Credit Union CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.
How does Leaders Credit Union's best CD rate compare with Treasury yields?
4.25% APY is −0.32% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Leaders Credit Union CDs insured?
Leaders Credit Union is a federally insured credit union (NCUA 61185). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Leaders Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Leaders Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Leaders Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Leaders Credit Union before opening an account. This page is not financial advice.