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Credit & Debit Cards

At Lanier Federal Credit Union, we offer MASTERCARD® credit card services. We believe that your credit card should offer convenience and no high costs. Why spend more on fees and interest charges than you have to?  Whether you choose the CLASSIC Card with a low fixed rate, or the REWARDS Card offering the ability to earn bonus points towards merchandise, travel, cash back or many other options...LFCU is the right choice for you!

Benefits of Credit Cards:

  • Convenient
  • Builds Credit for future loans and rates, saving you money.
  • Keeps track of your expenses.
  • Added security alerts sent to mobile devices and email.
  • Not held accountable for money spent on a lost or stolen card.
  • Secured cards are offered on the Classic Card only

Discover the savings of a Lanier Federal Credit Union MASTERCARD®.

Apply  Disclosure Agreement  MASTERCARD® Online

Lanier Federal Credit Union Application/Solicitation Disclosure

APR1 Classic Card Rewards Card
Purchases 7.9% - 14.9% 9.9% - 12.9%
Cash Advances 7.9% - 14.9% 9.9% - 12.9%
Balance Transfers 7.9% - 14.9% 9.9% - 12.9%
Penalty APR & When Applied None  
How to avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on any purchases if you pay your entire balance by the due date each month.
Minimum Interest Payment $0.00  
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board at

1Rates show are standard rates. Your actual rate may vary based on individual credit worthiness and our underwriting requirements. We will review your credit history, income and other information to determine the APR and maximum credit line.


Annual Fee: NONE

Transaction Fees

Balance Transfer Cash Advance Foreign Transaction
None 2.25% of amount 1% of the converted transaction amount

Penalty Fees

Late Payment Over Limit Returned Payment
Up to $35.002 NONE Up to $28.003

Other Fees

Pay by Phone Minimum Payment
$10 $20 or 3%, whichever is greater

Note - Your balance is calculated using a method called the, “average daily balance,” (including new purchases). See account agreement for more information. Additionally, detailed information on your Billing Rights can be found in your account agreement.

Call (770) 503-1765 today or visit us at 3718 Mundy Mill Rd, Oakwood, GA 30566 to speak with a Loan Officer!

Credit Card Assistance

Whether you need to report your card lost/stolen or if you need general assistance with your LFCU MASTERCARD®, please call (800) 599-7889 for 24/7 support.

Debit Cards

Our VISA® Debit Card combines the economy of a checking account with the convenience and versatility of a credit card. Your card works at millions of locations that accept VISA® Debit Cards. Your VISA® Debit Card draws money from your checking account, so no interest charges apply (ATM charges may apply).

Benefits of Debit Cards:

  • Convenient
  • Easy cash withdrawals.
  • Keeps track of your expenses.
  • Added security alerts sent to mobile devices & email.
  • Not held accountable for money spent on a lost or stolen card.

The VISA® Debit Card is available with all of our Checking Accounts.

Overdraft Protection

Additionally, our members are able to avoid the expense and inconvenience of overdrafts. No fee applied for overdraft from Share Account or Loan. 

Courtesy Pay

This program is available on all of our checking accounts 90 days after the account has been opened, unless the member decided to opt-out when opening the account. There is a fee of $25 per advance of funds,with a maximum of $500. 

Call (770) 503-1765 today to set up an account with Lanier Federal Credit Union!

Debit Card Assistance

For a Lost/Stolen LFCU Visa Debit Card, please call (800) 472-3272.
For a LFCU VISA Debit Pin Change, please call (800) 757-9848.