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Last Updated: 01/21/2026

Lanier FCU Premier Checking Account

from Lanier Federal Credit Union

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.05%(Verified 09/04/2024)

Monthly Service Fee

$10(Verified 01/21/2026)

Lanier FCU Premier Checking Account Review

The Lanier FCU Premier Checking Account is offered by Lanier Federal Credit Union, a credit union founded in 1969 and based in Oakwood, GA. Lanier FCU Premier Checking Account is available in 50 states, 5 US territories, and Washington, DC.

Key Takeaways

Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
Waivable monthly maintenance fee. NO monthly service charges if you keep a daily average balance of $1,500.00 or an aggregate daily balance of at least $5,000.00 (otherwise $10.00 per month)

Lanier FCU Premier Checking Account Pros & Cons

Pros

Cons

Available in 50 states, 5 U.S. territories and Washington, DC.
Dividend-yielding account.
Insured by NCUA.
Access to physical branches.
Debit card and the option to lock/unlock the card if lost or stolen
Access to a nationwide network of ATMs.

No signup bonus.
Does not offer mobile check deposits.
Monthly service charge (if not waived).

Lanier FCU Premier Checking Account FAQ

Are checking accounts from Lanier Federal Credit Union federally insured?

Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Lanier FCU Premier Checking Account offer?

Lanier FCU Premier Checking Account Rates & Terms

Description

APY (Annual Percentage Yield)

0.05%

Lanier FCU Premier Checking Account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest, account holders must keep an average beginning day balance of $1500.00.

What are the account minimums for Lanier FCU Premier Checking Account?

Lanier FCU Premier Checking Account requires a minimum initial deposit of $25.00.

Lanier FCU Premier Checking Account Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

$1,500.00

Minimum Balance to Earn APY

$1,500.00

Minimum Opening Deposit

$25.00

Minimum Average Combined Balance to Avoid Monthly Maintenance Fee

Starting at $5,000.00

What fees does Lanier FCU Premier Checking Account charge?

This account charges a monthly maintenance fee each statement cycle of $10.00.

Lanier FCU Premier Checking Account Fees

Description

Monthly Service Fee

$10.00

Paper Statement Fee

Starting at $5.00

ATM Fee: In-Network

Starting at $0.00

NSF Fee

$32.00

Overdraft Item Fee

Starting at $30.00

Returned Deposit Fee (Domestic)

Starting at $32.00

Card Replacement Fee (Standard Delivery)

Starting at $10.00

Stop Payment Fee

Starting at $25.00

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $25.00

Wire Transfer Fee - International (Outgoing)

Starting at $40.00

Monthly Maintenance Waiver Requirements

NO monthly service charges if you keep a daily average balance of $1,500.00 or an aggregate daily balance of at least $5,000.00 (otherwise $10.00 per month)

Returned Deposited Check

$10.00 - $32.00

Does Lanier FCU Premier Checking Account charge overdraft fees?

Yes, Lanier FCU Premier Checking Account charges a $30.00 fee for every overdraft.

What features and perks does Lanier FCU Premier Checking Account offer?

This account includes the following features:

Mobile Banking Services - Lanier FCU Premier Checking Account allows you to manage your money online or with a mobile app.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Lanier FCU Premier Checking Account?

The customer support email for Lanier FCU Premier Checking Account is memberservices@lanierfcu.org.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

3718 Mundy Mill Rd

Oakwood, GA 30566

(770) 503-1765

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

8:00AM - 4:30PM

Tuesday

8:00AM - 4:30PM

Wednesday

8:00AM - 4:30PM

Thursday

8:00AM - 4:30PM

Friday

8:00AM - 5:30PM

Saturday

Closed

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

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Bonus Offer

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Cashback Rewards

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APY (Annual Percentage Yield)

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.04%

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Monthly Service Fee

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.