Help your money grow?
Life’s Biggest Moments
What’s Next for You?
Getting Married
Starting a New Job
Starting a Family
Making your Money Work for You
Find Peace of Mind and Start Saving Today
Take control of your future and start earning interest on your savings. It only takes $5.00 to get started and then you’re ready to watch your money grow. Leading Edge Credit Union has options to find the right savings plan for you, so no matter where you are today, we’ll help you get to the tomorrow you want.
Savings Rates
Minimum Balance
Rate
APY*
Share Savings
$5.00***
0.10%
0.10%
Young Bucks Savings Account
$10.00
0.52%
0.52%
Young Investors Savings Account
$5.00
0.52%
0.52%
Christmas Club
$0.00
1.00%
1.00%
Edge Money Market
$2,500.00 to $50,000.00
$2,500.00 to $50,000.00
$2,500.00****
2.00%
2.02%
Edge Money Market
$50,000.01 to $100,000.00
$50,000.01 to $100,000.00
$50,0001.00****
2.00%
2.02%
Edge Money Market
$100,000.01 or greater
$100,000.01 or greater
$100,000.01****
2.00%
2.02%
IRAs (Traditional, Roth, SEP, and Coverdell Education)
N/A
0.40%
0.40%
Rates effective as of March 1, 2026, and can change at any time. Fees may reduce earnings. Rate and annual percentage yield may change after account opening. All savings accounts require ownership of at least one $5.00 share in the credit union to open the account.
*APY = Annual Percentage Yield.
**Subject to penalties for early withdrawal.
***Minimum balance provided is the minimum balance required to open account.
****Minimum balance provided is the minimum balance required to earn APY.
Share Savings
Whether you’re saving for school, retirement, a big purchase, a wedding, or just a rainy day, Leading Edge Credit Union offers competitive rates and the friendliest bankers around.
A basic savings account allows you to earn interest on your minimum balance of at least $5.00. Click here for current share savings rates or talk to a credit union representative for detail.
Minimum Balance
Rate
APY*
$5.00***
0.10%
0.10%
Christmas Club
Leading Edge Credit Union is now offering Christmas Club Accounts. This account allows members to save funds in a savings account that earns a higher dividend rate than a normal share account!
See our account rates page for interest rate details.
The funds will automatically be transferred October 20th, each year, for your Christmas expenses! We understand that money around the holidays tends to be tight, that’s why we want to offer you the opportunity to start saving now! Talk to an account services representative today!
Minimum Balance
Rate
APY*
$0.00
1.00%
1.00%
Edge Money Market
Starting to build your savings account, but not seeing the interest rate you’re looking for?
Our Edge Money Market accounts offer up to 2.02% APY* for just a minimum balance of $2,500. It’s as easy as depositing your money into the savings account and watching it GROW!
Minimum Balance
Rate
APY*
$2,500.01 - $50,000.00
$2,500.01****
2.00%
2.02%
$50,000.01 – $100,000.00
$50,001.00****
2.00%
2.02%
$100,000.01 or greater
$100,000.01****
2.00%
2.02%
Getting Married!
Your Forever Starts Here!
Saving for a wedding can be stressful, but we’ve got tools to help. Use this calculator to determine what you need to save on a regular basis to have the funds ready for the big day.
Saving for a wedding can be stressful, but we’ve got tools to help. Use this calculator to determine what you need to save on a regular basis to have the funds ready for the big day.
Starting a New Job!
Starting a new job can be stressful and exciting all at the same time. We have tools to help you transition to your next chapter. Our new job budget calculator will help you forecast your needs.
Starting a Family?
Banking Solutions for a growing family means saving accounts with benefits.
The earlier you start saving, the more can grow with compound interest.
Earn Rewards while you spend money on your family with Rewards Checking.
Earn up to 2.02% APY* on your purchases, that’s up to an estimated $849.00 a year (or a ton of diapers).
*Must meet criteria to qualify
Make your Money Work for you!!
IRAs
An Individual Retirement Account (IRA) is a smart way to save for your future. Whether you're just getting started or looking to maximize your retirement savings, IRAs offer tax advantages to help your money grow over time.
Here at LECU, we offer the following IRAs: Traditional, Roth, SEP, and Coverdell Education.
Minimum Balance
Rate
APY*
N/A
0.40%
0.40%
Certificates of Deposit (CDs)
6 Month Short-term CD
Rate: 2.75% APY*
Best for: Reaching your short-term savings goals sooner
Terms: 6 months
Good to know:
- Lock in a great rate
- Access your money sooner with a short term
Minimum deposit: $500***
12 Month Standard-term CD
Rate: 3.19% APY*
Best for: The stability of a CD with the flexibility to save on your terms
Terms: 12 months
Minimum deposit: $500***
Long-term CD
Rate: 3.49% APY*
Best for: Peace of mind if the market goes down with a locked-in, long-term rate
Terms: 24 months
Good to know:
- Save with a guaranteed rate that won’t sweat if the market dips
- Rest easy without the hassels of playing the market
Minimum deposit: $500***
Certificate of Deposit Rates
Minimum Balance**
Rate
APY*
6 Months
$500.00
2.73%
2.75%
12 Months
$500.00
3.17%
3.19%
24 Months
$500.00
3.46%
3.49%
36 Months
$500.00
3.19%
3.22%
48 Months
$500.00
2.97%
2.99%
60 Months
$500.00
2.57%
2.59%
IRA CD – 12 Months
$2,500.00
2.98%
3.00%
IRA CD – 24 Months
$2,500.00
3.18%
3.20%
IRA CD – 36 Months
$2,500.00
3.08%
3.10%
IRA CD – 48 Months
$2,500.00
2.97%
2.99%
Rates effective as of October 31, 2025, and can change at any time. Fees may reduce earnings. All certificate of deposits require ownership of at least one $5.00 share in the credit union to open the certificate of deposit.
*APY = Annual Percentage Yield.
**Minimum deposit provided is the minimum balance required to open account and earn APY.
Certificate of Deposit rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity on certificates of deposit.
Members have the option to open a Traditional IRA CD.
Frequently Asked Questions
Why should I consider a Certificate of Deposit (CD)?
B
C
A Certificate of Deposit (CD) allows you to put money into an account that gains interest. If you have the funds available and won’t be needing them for a bit, it's a great way to save.
How do I open a savings account?
B
C
Click on the Open here link and it will walk you through how to open an account. IF you would rather open it in branch, please stop into your local branch and our staff would be excited to see you!!!
How does a Money Market account work?
B
C
It’s a savings account with higher dividends that you can still access. You must have a minimum in the account of $2500 to earn dividends.
How can I really buckle down and save?
B
C
Start with an account like the Christmas Club that allows you to start saving with your loose change. Utilize one of the calculators to help set up a budget, or stop into any branch locations to consult with one of our talented team members who can work with you to create a budget.
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Why IRAs Are a Smart Choice for Retirement Planning
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*APY = Annual Percentage Yield. Rates effective as of March 1, 2026. Rates subject to change at any time. There is a minimum deposit of $50.00 per deposit and a minimum withdrawal of $500.00 per transfer or withdrawal. Limit of 6 withdrawals or transfers per month. A fee of $5.00 is charged for each withdrawal or transfer in excess of six during the calendar month. A daily balance of $2,500 is required to receive and earn APY. Fees may reduce earnings.
**Subject to penalties for early withdrawal.
***Minimum balance provided is the minimum balance required to open account.
****Minimum balance provided is the minimum balance required to earn APY.