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Leaders sponsors the Jason & John Show on ESPN Radio

Everyone deserves achampion

At Leaders, we believe everyone deserves a champion, and we want to be your financial champion for life. If you're not already a member, join today using promo code ESPN, and we will waive your $25 membership fee.

Leaders is proud to be the studio sponsor of the Jason & John show.

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Why Leaders?

We champion our members with great rates and service to relieve financial stress and help achieve their goals.
Not-for-profit member-owned financial institution
We care about your financial journey and offer free wellness tools
Access your money anytime, anywhere with our mobile app
We are local and care about giving back to our community
Our mission is to power your passion and make lives better! Ready to join? Use code ESPN and we'll waive the fee.
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Why Leaders Credit Union
More Back in Your Pocket
Unlimited Cash Back with Compass Black

With Compass Black World Elite Mastercard®, every purchase puts money back in your pocket. No categories to track. No limits to hit. Just unlimited cash back on everything you buy this season.

 
  • Earn unlimited 3% cash back for the first 12 months with direct deposit¹
  • Earn unlimited 2% cash back after the intro period
  • 0% intro APR² for the first 6 months³
  • No annual fee
Earn Cash on Every Purchase
Happy couple getting more cash back with Compass Black from Leaders
More Rewards for What Matters
Points on Every Purchase with Compass Rewards

Not every reward looks like cash. Sometimes it's a gift card for someone you love or credit for a trip you've been putting off. Compass Rewards World Mastercard® turns your everyday spending into points you can use for the things that matter most.

 

  • Earn 1.25 points for every $1 spent
  • 0% introductory APR for the first 12 months4
  • Redeem for travel, gift cards, merchandise, and more
  • No annual fee
Start Earning Rewards
Happy family shopping and rewarding what matters with Compass Rewards from Leaders
More Control at Your Fingertips
Compass Card Controls inside our App

Shopping season means more transactions, more receipts, and more chances for something to slip through the cracks. Card Controls puts you in charge of every swipe, tap, and purchase right from your phone.

 
  • Lock and unlock your card instantly
  • Set spending limits and transaction alerts
  • Monitor recent and pending transactions in real time
  • Manage debit and credit cards in one place
Take Control of My Card
Young lady enjoying control her cards with Leaders CU Mobile App
More Confidence Every Day
Fraud Protection and Awareness

The holidays are the busiest season for scammers too. Leaders is committed to keeping your accounts safe so you can shop, give, and celebrate without looking over your shoulder. 

 

  • Digital tools to keep your accounts safe
  • Dedicated fraud awareness resources
  • A local team ready to help if something doesn't look right
  • Remember to stop, slow down, and think before you act
Explore Fraud Protection
Happy older man with grandkid not worried about fraud because of protection from Leaders
Future Leader Savings

We think it's important for children and youth to learn the importance of saving. That's why we pay a great rate and offer incentives for good grades and attendance.

 

  • Earn up to 5.00% APY7
  • Tiered dividends to encourage kids to save
  • Get rewarded for good grades
Learn More
Future Leader Savings from Leaders
Auto Loans

Leaders Credit Union keeps you rolling with a convenient online application process, flexible terms, and industry-low rates.

 

  • Loans as low as 4.49% APR8
  • Financing available for cars, trucks, vans and SUVs
  • Terms up to 96 months
Learn More
AutoLoan
Welcome Home
Meet our Mortgage Champions

Don’t let the uncertainty of the housing market keep you from pursuing your dream by reaching out to our Mortgage Champions.

 

  • Competitive Rates
  • Local financing
  • Easy online application process

Get pre-qualified today!

Learn More
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Home Equity Line of Credit (HELOC)
What's on your wish list?

Make that dream renovation, much-needed family vacation, or debt consolidation happen with a Home Equity Line of Credit (HELOC).

 

  • Access up to $300,000 based on your home's equity.
  • Use the funds how you see fit without restrictions.
  • Easily withdraw funds through your Leaders checking account.  
Learn More
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Arlington Branch
Now Open!

Our brand new 2,983 square-foot full-service facility in Arlington, TN is located right across the street from the high school.

 

  • Leaders second branch in Greater Memphis area
  • Offering checking, savings, home and personal loans
  • Come see us at 5500 Airline Rd
Learn More
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Bartlett Branch

Our Memphis location on Summer Oaks Drive offers our full menu of banking services together with mortgage assistance, drive-thru, and ATMs.

 

  • Open an account or apply for a loan
  • Consult with a financial advisor
  • Work directly with a mortgage champion
  • and much more
Learn More
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It's easy to become a member!
01
Apply for Membership
Apply online or in-person at one of our convenient branch locations.
02
Enjoy the Benefits
Great rates, friendly service, and free tools to guide you on your financial journey.
03
Achieve Financial Freedom
We are absolutely happy to help move your goals forward.
Use promo code ESPN and we'll waive the fee!
Apply Now

Testimonials

What Our Members Are Saying About Leaders

Disclosures

1. - Compass Black: Earn 3% cash back on all purchases for the first 12 months from the date of account opening. After that, you will earn 2% cash back on all purchases. Offer is only valid for new cards and for members with direct deposit with Leaders Credit Union. Credit card and direct deposit must be associated with the same membership.

2. - APR=Annual Percentage Rate, the cost of your credit as a yearly rate. As of Oct. 1, 2022, variable interest rates will be determined by creditworthiness and is indexed to WSJ Prime Rate plus 14.90%-20.90%. A transfer fee of 2% or $10, whichever is greater, will be applied. However, during the introductory period, the transfer fee will be 5% or $10, whichever is greater. A cash advance fee of 3% or $10, whichever is greater, will be applied. A foreign transaction fee of 1.00% of each transaction in U.S. dollars will be applied. 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. The APR for Compass Black credit cards is subject to credit application and approval. Not all applicants will qualify. Penalty APR is 27.99%.

3. - The 0% Introductory APR on Compass Black is valid for the first six months from the date of account opening. To be eligible, you cannot have opened another Compass Rewards or Compass Black card within the last 36 months and receive 0% for six months. However, you will be eligible for the 3% bonus for 12 months.

4. - The 0% Introductory APR on Compass Rewards is valid for the first 12 months from the date of account opening. To be eligible, you cannot have opened another Compass Rewards or Compass Black card within the last 36 months and receive 0% for 12 months. A transfer fee of 2% or $10, whichever is greater, will be applied. However, during the introductory period the transfer fee will be 5% or $10, whichever is greater. A cash advance fee of 3% or $10, whichever is greater, will be applied. 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. As of Oct. 1, 2022, variable interest rates will be determined by creditworthiness and is indexed to WSJ Prime Rate plus 6.90%-18.90%. The APR for Compass Rewards credit cards is subject to credit application and approval. Not all applicants will qualify. Penalty APR is 27.99%.

 

7. - Future Leader Savings: $0.00 - $500.00 receives 5.00% APY, $500.01 - $4,999.99 receives 1.00% APY, $5,000.00 - $9,999.99 receives 0.75% APY, and $10,000.00 - $24,999.99 receives 0.25% APY. Deposit is made when a report card or perfect school year attendance report is presented in-branch with a limit of four report cards and/or one perfect attendance report per school year. Report card deposits are made once each quarter and are $1 per “A” or “Excellent” grade with a limit of $5 per report card. Perfect attendance deposit is made at the end of the school year and is $10.

 

8. - APR = Annual Percentage Rate. Auto Loans: Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “rates as low as 4.49% APR” apply to well-qualified applicants with credit scores of 760, loan terms of 36 months and vehicles with less than 80,000 miles. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Not all applicants will qualify for the lowest rate.

Other restrictions may apply.

Loan rate effective as of 09/29/2026, and is subject to change without notice.

Payment Example: 36 monthly payments of approximately $29.80 per $1,000 borrowed at 4.49% APR.

 

 

Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. Government Agency.

For full disclosures, please access our Rates Disclosures for consumers  or business.