L & N Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.00%

Our Rating

4.6 / 5

SoFi Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 4.00% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.50%

Our Rating

3.5 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.46%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.75%

Our Rating

4.2 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Overview / Commentary

www.lnfcu.com

502-368-5858

9201 Smyrna Pkwy
Louisville, KY 40229

L & N Federal Credit Union is headquartered in Louisville and is the 3^rd largest credit union in the state of Kentucky. It is also the 221^st largest credit union in the nation. It was established in 1954 and as of September of 2024, it had grown to 290 employees and 115,921 members at 27 locations. L & N Federal Credit Union's money market rates are 8X the national average, and it has an A health rating.

Field of Membership Restrictions

L & N Federal Credit Union membership is open to those who live, work, worship, attend school, or belong to any legal entity in the Kentucky counties of Bullitt, Henry, Jefferson, Knox, Laurel, Oldham, Pulaski, Rockcastle, Shelby, Spencer, Trimble, or Whitley, or the Indiana counties of Clark or Floyd. Select areas of the Kentucky counties of Boone, Campbell, Gallatin, Grant, Kenton, and Pendleton, the Indiana counties of Dearborn and Ohio, and Hamilton County, Ohio also qualify.
See current membership details

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Health

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	9260
Year Chartered	1954
Employees	290
Primary Regulator

Profit Margin
Return on Assets - YTD	0.63%
Return on Equity - YTD	5.86%
Annual Interest Income	$68.5MM

Assets and Liabilities
Assets	Q3 2024vs Q3 2023	$2.23B$2.08B
Loans	Q3 2024vs Q3 2023	$1.73B$1.56B
Deposits	Q3 2024vs Q3 2023	$1.89B$1.76B
Equity Capital	Q3 2024vs Q3 2023	$236.7MM$224.6MM
Loan Loss Allowance	Q3 2024vs Q3 2023	$5.2MM$4.8MM
Unbacked Noncurrent Loans	Q3 2024vs Q3 2023	$8.4MM$3.9MM
Real Estate Owned	Q3 2024vs Q3 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.00%

Our Rating

4.6 / 5

SoFi Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.50%

Our Rating

3.5 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.46%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.75%

Our Rating

4.2 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

L & N Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$0	-	IRA Account
0.20%^*	$100k^*	-	Savings Account
OTHER TIERS: 0.05% → $0 - $25k \| 0.10% → $25k - $50k \| 0.15% → $50k - $100k
0.10%^*	$100k^*	-	HSA Checking
OTHER TIERS: 0.02% → $0 - $5k \| 0.05% → $5k - $25k \| 0.07% → $25k - $100k

L & N Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.70%^*	$100k^*	-	Money Market Account
OTHER TIERS: 2.00% → $0 - $25k \| 2.50% → $25k - $50k \| 3.00% → $50k - $100k
3.70%	$25k	-	Premier Money Market Account

L & N Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$100k^*	-	Preferred Business Checking
OTHER TIERS: 0.05% → $0 - $25k \| 0.07% → $25k - $100k
0.05%	$0	-	Premium Checking Account
0.05%	$2k	-	Gold Checking
0.05%	$2k	-	Superior Checking
0.05%	$0	-	Military Checking

L & N Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.45%	$1k	-	6 Month Share Certificate Special
3.50%	$1k	-	5 Year Share Certificate
3.50%	$1k	-	2 Year Share Certificate Special
3.25%	$1k	-	3 Year Share Certificate
3.25%	$1k	-	4 Year Share Certificate
2.00%	$1k	-	18 Month Share Certificate
2.00%	$1k	-	1 Year Share Certificate
2.00%	$1k	-	1 Year HSA Share Certificate
2.00%	$500	-	1 Year Youth Share Certificate
2.00%	$500	-	1 Year Youth Education Share Certificate
2.00%	$25k	-	91 Day Money Market CD
0.25%	$250	-	1 Year Easy Save Share Certificate

L & N Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.45%	$1k	-	6 Month IRA Certificate Special
3.50%	$1k	-	5 Year IRA Certificate
3.50%	$1k	-	2 Year IRA Certificate Special
3.25%	$1k	-	3 Year IRA Certificate
3.25%	$1k	-	4 Year IRA Certificate
2.00%	$1k	-	1 Year IRA Certificate
2.00%	$1k	-	18 Month IRA Certificate
0.25%	$250	-	1 Year Easy Save IRA Certificate

Locations

Availability

Louisville Area

Louisville Area bank & credit union details

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