Credit union · NCUA insured
Lanier Federal Credit Union CD Rates
Top CarrotLanier Federal Credit Union’s best CD rate is 3.30% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 22, 2026.
How Lanier Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Gainesville, GA, where Lanier Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lanier Federal Credit Union
3.30%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $164
Share Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $169
Lanier Federal Credit Union CD score
70
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.30%
- QualifiedQualified3.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Lanier Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
GROWTH CD
3.30%APY · 1 term
12 Month Term. Minimum $500 opening balance. Add to balance as often as you like (minimum $100 add-on deposit); maximum amount to be added over term of CD is $25,000. Interest calculated on balance over the 12 month Term (interest calculated on added funds from time of added deposit). Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm Deposit; add-on deposits permitted (min $100, max $25,000 total added) | 3.30% | $330 |
Sources (2)
All captured Sep 19, 2026
Share Certificates
3.30%APY · 2 terms
Fixed-term, fixed-rate time deposit. Early withdrawal penalties apply (12 months or less: 3 months interest; 13-24 months: 6 months interest; 25-60 months: 12 months interest). Maturity notices sent 10 days prior to maturity with a 10-day grace period for cancellation of renewal. Interest pays out at Certificate maturity. Joint ownership and beneficiaries permitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTerm Deposit | 3.30% | $164 |
| 24 monthsTerm Deposit | 3.30% | $671 |
Sources (2)
All captured Sep 19, 2026
Who can join Lanier Federal Credit Union
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