Credit union · NCUA insured
Lanier Federal Credit Union Savings Rates
Top CarrotLanier Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Lanier Federal Credit Union’s savings 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
0.50%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
MyGeorgia Credit Union
2.27%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $227
Lanier Federal Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0002.25%
- QualifiedQualified0.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.50%APY
Five tiered account. Dividends compounded monthly and credited monthly based on average daily balance; rates may change monthly. No monthly fee if within 6 transactions per month and maintaining a $1,000 daily balance; otherwise $10 monthly fee. Minimum withdrawal is $100 per check/withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $24,999Tier: $1,000 - $24,999. Minimum balance to earn APY is $1,000. Fee waived if staying within 6 transactions per month and maintaining $1,000 daily balance. | 0.50% | $50 | Tier: $1,000 - $24,999. Minimum balance to earn APY is $1,000. Fee waived if staying within 6 transactions per month and maintaining $1,000 daily balance. |
| $25,000 – $99,999Tier: $25,000 - $99,999. Minimum balance to earn APY is $25,000. Fee waived if staying within 6 transactions per month and maintaining $1,000 daily balance. | 2.00% | — | Tier: $25,000 - $99,999. Minimum balance to earn APY is $25,000. Fee waived if staying within 6 transactions per month and maintaining $1,000 daily balance. |
| $100,000 – $149,999Tier: $100,000-$149,999. Minimum balance to earn APY is $100,000. Fee waived if staying within 6 transactions per month and maintaining $1,000 daily balance. | 2.25% | — | Tier: $100,000-$149,999. Minimum balance to earn APY is $100,000. Fee waived if staying within 6 transactions per month and maintaining $1,000 daily balance. |
| $150,000 – $249,999Tier: $150,000-$249,999. Minimum balance to earn APY is $150,000. Fee waived if staying within 6 transactions per month and maintaining $1,000 daily balance. | 2.50% | — | Tier: $150,000-$249,999. Minimum balance to earn APY is $150,000. Fee waived if staying within 6 transactions per month and maintaining $1,000 daily balance. |
| $250,000 and upTier: $250,000 & Greater. Minimum balance to earn APY is $250,000. Fee waived if staying within 6 transactions per month and maintaining $1,000 daily balance. | 3.00% | — | Tier: $250,000 & Greater. Minimum balance to earn APY is $250,000. Fee waived if staying within 6 transactions per month and maintaining $1,000 daily balance. |
Sources (3)
- lanierfcu.org
- lanierfcu.org/Rates/Savings-Rates
- lanierfcu.org/Products-Service…cts/Money-Market-Account
All captured Sep 19, 2026
Regular Savings Account
0.12%APY
Dividends compounded quarterly and credited quarterly based on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.12% | $12 |
| $25,000 – $99,999 | 0.15% | — |
| $100,000 – $149,999 | 0.18% | — |
| $150,000 and up | 0.18% | — |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Traditional IRA, Roth IRA, Educational IRA
0.25%APY
Includes Traditional IRA, Roth IRA, and Educational IRA (Coverdell Education Savings Account). Dividends compounded and credited quarterly based on average daily balance. Subject to transfer and withdrawal limitations.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $99,999$25 to open | 0.25% | $25 | $25 |
| $100,000 and up$100,000 to open | 0.25% | $100,000 | — |
Sources (2)
All captured Sep 19, 2026
Kids Savings Account
0.12%APY
For ages 12 and younger. Must be enrolled in e-Statements. Dividends compounded and credited quarterly based on average daily balance. Subject to transfer and withdrawal limitations.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.12% | $12 |
Sources (2)
All captured Sep 19, 2026
Teen Savings Account
0.12%APY
Must be enrolled in e-Statements. Dividends compounded and credited quarterly based on average daily balance. Subject to transfer and withdrawal limitations.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.12% | $12 |
Sources (2)
All captured Sep 19, 2026
Christmas Club Savings
0.10%APY
Accrues interest up until November 1st. Dividends compounded and credited quarterly based on average daily balance. Subject to transfer and withdrawal limitations.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.10% | $10 |
Sources (2)
All captured Sep 19, 2026
Vacation Club Savings
0.10%APY
Accrues interest up until May 1st. Dividends compounded and credited quarterly based on average daily balance. Subject to transfer and withdrawal limitations.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.10% | $10 |
Sources (2)
All captured Sep 19, 2026
Who can join Lanier Federal Credit Union
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