# Leaders Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/leaders-credit-union
Institution: Leaders Credit Union (NCUA 61185)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:22.000Z (October 22, 2026)
Official source: https://www.leaderscu.com/rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3-Month Certificate | standard | 3 months | $1,000 | 0.30% | Not ZIP-priced | −4.00% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 3-Month Certificate | standard | 3 months | $25,000 | 0.30% | Not ZIP-priced | −4.00% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 3-Month Certificate | standard | 3 months | $50,000 | 0.30% | Not ZIP-priced | −4.00% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 3-Month Certificate | standard | 3 months | $100,000 | 0.30% | Not ZIP-priced | −4.00% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 6-Month Certificate | standard | 6 months | $1,000 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 6-Month Certificate | standard | 6 months | $25,000 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 6-Month Certificate | standard | 6 months | $50,000 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 6-Month Certificate | standard | 6 months | $100,000 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 11-Month Certificate Special | promotional | 11 months | $1,000 | 3.50% | Not ZIP-priced | −1.04% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 12-Month Certificate Special | promotional | 12 months | $1,000 | 4.25% | Not ZIP-priced | −0.32% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 12-Month Certificate | standard | 12 months | $1,000 | 2.50% | Not ZIP-priced | −2.07% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 12-Month Certificate | standard | 12 months | $25,000 | 2.50% | Not ZIP-priced | −2.07% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 12-Month Certificate | standard | 12 months | $50,000 | 2.50% | Not ZIP-priced | −2.07% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 12-Month Certificate | standard | 12 months | $100,000 | 2.50% | Not ZIP-priced | −2.07% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 24-Month Certificate Special | promotional | 24 months | $1,000 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 24-Month Certificate | standard | 24 months | $1,000 | 2.50% | Not ZIP-priced | −2.37% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 24-Month Certificate | standard | 24 months | $25,000 | 2.50% | Not ZIP-priced | −2.37% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 24-Month Certificate | standard | 24 months | $50,000 | 2.50% | Not ZIP-priced | −2.37% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 24-Month Certificate | standard | 24 months | $100,000 | 2.50% | Not ZIP-priced | −2.37% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 36-Month Certificate Special | promotional | 36 months | $1,000 | 4.25% | Not ZIP-priced | −0.70% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 36-Month Certificate | standard | 36 months | $1,000 | 2.50% | Not ZIP-priced | −2.45% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 36-Month Certificate | standard | 36 months | $25,000 | 2.50% | Not ZIP-priced | −2.45% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 36-Month Certificate | standard | 36 months | $50,000 | 2.50% | Not ZIP-priced | −2.45% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 36-Month Certificate | standard | 36 months | $100,000 | 2.50% | Not ZIP-priced | −2.45% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 48-Month Certificate | standard | 48 months | $1,000 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 48-Month Certificate | standard | 48 months | $25,000 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 48-Month Certificate | standard | 48 months | $50,000 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 48-Month Certificate | standard | 48 months | $100,000 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 60-Month Certificate | standard | 60 months | $1,000 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 60-Month Certificate | standard | 60 months | $25,000 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 60-Month Certificate | standard | 60 months | $50,000 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |
| 60-Month Certificate | standard | 60 months | $100,000 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-23T02:10:22.000Z | [Snapshot 868](https://apyledger.com/snapshots/868) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.