Savings accounts to watch your money grow
Saving money should be easy and rewarding. With our Forward Suite of Savings, you can set money aside to meet your financial goals while earning generous dividends on your deposits.
Leaders Savings Accounts
We’re leading the way to financial freedom. Our Forward Suite of Savings share these features in common, making it easy to save and watch your money grow.
Transfer between accounts
Earn dividends on your deposits
No minimum balance to avoid service charges
Automated savings with payroll deduction
Competitive APY
Free online & mobile banking
How Our Savings Accounts Stack Up
Our members earn more with rates that beat the national average.
Earn up to 8.5X the national average⁶
Tiered dividends to boost your growth
Keep your money accessible while you earn dividends
5.00% APY
2
0.59% APY 6
First Forward (Prime) Savings
Our membership savings is your first account with us to encourage saving with free access to online and mobile banking.
- $10 minimum balance to earn dividends
- Earn up to 0.10% APY¹
- Free access to mobile & online banking
Fast Forward Savings
It’s time to jump-start your savings with tiered dividends to help you grow your balance quickly. Automate your savings to achieve your financial goals.
- Earn up to 5.00% APY² on your first $4,999.99 of savings
- No minimum balance to earn dividends
- Automate savings via payroll deduction
Forward Plus High Yield Savings
Are you ready to aim high with your savings goals? Earn a great rate with no hoops to maximize your savings and reach your long-term goals.
- Earn up to 4.00% APY³
- No minimum to open or earn dividends
- No balance tiers
Christmas Club Savings
Take the stress out of holiday spending with our Christmas Club Savings Account. Automate savings via transfer or payroll deduction and watch your money grow all year long.
- No minimum deposit required
- Automate savings with payroll deductions
- Earn 0.25% APY¹ on your savings
Vacation Club Savings
Saving for your next vacation couldn’t be easier. With a Vacation Club Savings account, you can automate your savings to ensure that your next vacation will be stress-free.
- No minimum deposit required
- Automate savings with payroll deductions
- Earn 0.25% APY¹ on your savings
Future Leader Savings
Kids who learn the habit of saving are most likely to enjoy financial freedom as adults. With tiered dividends to encourage savings, this is the account to set your kids on the road to success.
- Earn up to 5.00% APY¹
- Membership fee waived
- Incentives and rewards to encourage kids to save
Term Share Certificates
Earn our most generous dividends when you buy a term share certificate. Choose a term between 3 and 60 months and watch your money grow.
- Flexible terms between 3 months and 60 months⁴
- Earn up to 3.00% APY¹
Money Market Certificate
Do you want generous dividends with the ability to withdraw money if you need to? Our Money Market Certificate offers high earnings plus flexibility.
- Earn 1.25% APY¹ paid quarterly
- Penalty-free withdrawals
- $3,000 minimum deposit
Individual Retirement Account
Begin your retirement planning now with an IRA term share certificate. Choose from a Traditional, Roth, or Educations Savings Account (ESA) and earn some of our highest dividends.
- Earn up to 0.80% APY¹
- $1,000 minimum deposit
- Grow your money on a tax-deferred basis (with a Traditional IRA term certificate)⁵
Owned by Members
Membership means ownership. As a not-for-profit credit union, we share rewards with our members in the form of dividends.
Competitive Rates
Our members benefit from competitive rates that are higher than most financial institutions.
Local Service
As part of the West Tennessee community, we’re proud to serve our members and neighbors with a smile.
Why Leaders?
Our goal is a simple one: to lead our members to the financial security they deserve.
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Stability
We’re one of the largest and healthiest credit unions in Tennessee, providing financial stability to our valued members.
Comprehensive Services
From basic banking services to sophisticated tools to achieve your financial dreams, we’ve got the accounts you need to reach your goals.
Owned by Members
Membership means ownership. As a not-for-profit credit union, we share rewards with our members in the form of dividends.
Competitive Rates
Our members benefit from competitive rates that are higher than most financial institutions.
Local Service
As part of the West Tennessee community, we’re proud to serve our members and neighbors with a smile.
Stability
We’re one of the largest and healthiest credit unions in Tennessee, providing financial stability to our valued members.
Comprehensive Services
From basic banking services to sophisticated tools to achieve your financial dreams, we’ve got the accounts you need to reach your goals.