Featured Savings Rates
Featured Accounts

L & N Federal Credit Union

Popular Accounts at this Credit Union

2.75%5-year CD5 Year Share Certificate
0.40%SavingsSavings Account
0.25%1-year CD1 Year Easy Save Share Certificate

Overview / Commentary
9265 Smyrna Pkwy
Louisville, KY 40229

L & N Federal Credit Union is headquartered in LOUISVILLE and is the 2nd largest credit union in the state of Kentucky. It is also the 246th largest credit union in the nation. It was established in 1954 and as of March of 2018, it had grown to 237 employees and 86,420 members at 20 locations. L & N Federal Credit Union's CD rates are 67% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

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

Reviews (1)

Accounts are easy, staff is great, APR is good.

Posted by: Cujo | Jul 11, 2015

I have banked with this credit union my entire life.
I have never encountered any troubles or issues so far.
Recently I requested a signature loan in order to pay off a couple high interest credit cards. The process was extremely easy and painless. I applied online and even did so with my phone. The application website was surprisingly easy to use. This is the first time that I have ever requested a loan by myself and the credit union was really great about walking me through everything as well as explaining all the ins and outs of the process and the future payments as well as interest and how it all works. It took a total of one application and one face to face interaction to receive approval. The credit union even took care of paying off the card that I have through them, for me. I didn't have to do a thing and received a notification within 3 days that the payment had posted and my card had a $0 balance.
The website is a little lacking in features, though. It could be better. I wish I could see more details per transaction and had an easier way to view each transaction.
The mobile app could definitely use some work as well. There are some features I would love to see implemented. I would like to have the ability to log in with my fingerprint, like a lot of my other apps allow me to do. I wish the push notifications worked better.
The Apple pay implementation was quite fast, overall. Within a couple weeks of having my phone, I was notified that my cards are now eligible for use. Adding them in was a little more difficult than I would have liked, but that is simply because my debit card is a printed card, rather than stamped with raised numbers. The apple camera realized they weren't raised letters and wouldn't allow me to "scan" it in, so I was forced to type it all.
The staff at the credit union is always extremely nice and helpful. Everyone seems to have a smile on their face and have gotten to recognize me when I come in for some help.


Health Grade Components

NCUA #9260
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD10.7%
Annual Interest Income$10.7MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$1.20B$1.12B
LoansQ1 2018vs Q1 2017$857.6MM$770.5MM
DepositsQ1 2018vs Q1 2017$1.06B$994.6MM
Equity CapitalQ1 2018vs Q1 2017$128.4MM$115.7MM
Loan Loss AllowanceQ1 2018vs Q1 2017$3.5MM$2.6MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.9MM$2.4MM
Real Estate OwnedQ1 2018vs Q1 2017$205.00K$528.00K
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not L & N Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.55%*$100k*-HSA Checking
OTHER TIERS: 0.10% Up to $5k | 0.20% $5k - $15k | 0.30% $15k - $25k | 0.40% $25k - $50k | 0.50% $50k - $100k
0.40%*$100k*-Savings Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.20% $25k - $50k | 0.30% $50k - $100k
0.20%-- IRA Account

L & N Federal Credit Union Money Market Rates

0.70%*$100k*-Money Market Account
OTHER TIERS: 0.20% Up to $5k | 0.30% $5k - $15k | 0.40% $15k - $25k | 0.55% $25k - $50k | 0.65% $50k - $100k
0.70%$25k-Premier Money Market Account

L & N Federal Credit Union Checking Account Rates

0.55%*$100k*-Preferred Business Checking
OTHER TIERS: 0.20% Up to $25k | 0.40% $25k - $100k
0.15%--Premium Checking Account
0.15%$2k-Gold Checking
0.15%$2k-Superior Checking
0.15%--Military Checking

L & N Federal Credit Union CD Rates

2.75%$1k-5 Year Share Certificate
2.40%$1k-4 Year Share Certificate
2.25%$1k-3 Year Share Certificate
2.00%$1k-2 Year Share Certificate
1.75%$2.5k-18 Month Share Certificate
1.50%$1k-1 Year Share Certificate
1.50%$1k-1 Year HSA Share Certificate
1.50%$500-1 Year Youth Share Certificate
1.50%$500-1 Year Youth Education Share Certificate
1.00%$2.5k-6 Month Share Certificate
0.25%$250-1 Year Easy Save Share Certificate

L & N Federal Credit Union IRA Rates

2.75%$1k-5 Year IRA Share Certificate
2.40%$1k-4 Year IRA Share Certificate
2.25%$1k-3 Year IRA Share Certificate
2.00%$1k-2 Year IRA Share Certificate
1.75%$1k-18 Month IRA Share Certificate
1.50%$1k-1 Year IRA Share Certificate
1.00%$1k-6 Month IRA Share Certificate
0.03%$250-1 Year Easy Save IRA


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.