L & N Federal Credit Union

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 224^th largest credit union in the nation. It was established in 1954 and as of June of 2024, it had grown to 287 employees and 115,020 members at 27 locations. L & N Federal Credit Union's money market rates are 9X 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.
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Health

Data as of Q2 2024

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Health Grade Components

Overall
NCUA #	9260
Year Chartered	1954
Employees	287
Primary Regulator

Profit Margin
Return on Assets - YTD	0.55%
Return on Equity - YTD	5.11%
Annual Interest Income	$44.5MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$2.18B$2.04B
Loans	Q2 2024vs Q2 2023	$1.67B$1.53B
Deposits	Q2 2024vs Q2 2023	$1.85B$1.75B
Equity Capital	Q2 2024vs Q2 2023	$232.2MM$221.3MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$5MM$4.7MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$6.5MM$3.3MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

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
4.00%^*	$100k^*	-	Money Market Account
OTHER TIERS: 2.00% → $0 - $25k \| 2.50% → $25k - $50k \| 3.00% → $50k - $100k
4.00%	$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
5.00%	$1k	-	6 Month Share Certificate Special
4.25%	$1k	-	2 Year Share Certificate Special
3.50%	$1k	-	5 Year Share Certificate
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
5.00%	$1k	-	6 Month IRA Certificate Special
4.25%	$1k	-	2 Year IRA Certificate Special
3.50%	$1k	-	5 Year IRA Certificate
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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