Credit union · NCUA insured
Lanier Federal Credit Union
Top CarrotA $74.1M credit union headquartered in Oakwood, GA, with 8,822 members and 3 branches in Georgia. Best rates: CDs 3.30% and savings 0.50% APY.
Lanier Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 12 in Gainesville, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lanier Federal Credit Union
- Headquarters
- 3718 Mundy Mill Rd, Oakwood, GA 30566-3417
- NCUA charter
- 19552
Branches
3 branches in Georgia
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Georgia
3 branches
Gainesville area · 2
- LFCU Main Office - OakwoodMain office3718 Mundy Mill Rd, Oakwood, GA 30566Directions
- Gainesville Branch1430 Thompson Bridge Rd, Gainesville, GA 30501Directions
Jefferson area · 1
- Jefferson Branch960 Lee St Ste 100, Jefferson, GA 30549Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.31% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.53% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.70% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $92 | $59 | — |
- CapitalNet worth ratio9.31%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.53%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.70%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$92Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Lanier Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.