L & N


Louisville, KY 40229
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.95% →
1-Year CD 0.70% 1.01% →
2-Year CD 0.95% 0.95% →
5-Year CD 1.15% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

L & N is an NCUA insured institution located in Louisville, KY. It was founded in 1954 and has approximately $1460.02 millions in assets.

Who can join?

You can join if you live, work, worship, attend school, or belong to any legal entity in any of the following counties:

Louisville Region:
Bullitt County, Henry County, Jefferson County, Oldham County, Shelby County, Spencer County, Trimble County, Clark County, IN, Floyd County, IN

Southeastern Kentucky Region
Laurel County, Pulaski County, Rockcastle County, Whitley County, Knox County

Northern Kentucky Region
Boone County, Campbell County, Kenton County, Gallatin County, Grant County, Pendleton County, Dearborn County, IN, Hamilton County, IN, Ohio County, IN

You are also eligible if someone in your immediate family is a current member. An immediate family member, as it pertains to credit union membership, is defined as: spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, step-siblings, and adoptive relationships. One can also be eligible by living in the same household with a current member, and contributes to the economic unit.

NCUA Insured Yes
Charter Number # # 9260
Date Established 1954
Assets $1,460.02 million
Loans $1,014.19 million
Deposits $1,206.68 million
Capital $159.13 million

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.

Deposit Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
Special: 3 Mo CD
0.40% $25,000 - Learn More
3 Mo CD
0.40% $100,000 $199,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
18 Mo CD
0.80% $10,000 $14,999 Learn More
18 Mo CD
0.80% $100,000 $199,999 Learn More
24 Mo CD
0.95% $10,000 $14,999 Learn More
24 Mo CD
0.95% $100,000 $199,999 Learn More
36 Mo CD
1.05% $10,000 $14,999 Learn More
36 Mo CD
1.05% $100,000 $199,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.15% $10,000 $14,999 Learn More
60 Mo CD
1.15% $100,000 $199,999 Learn More
Special: 3 Mo FIRA
0.40% $25,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for L & N

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.666% 2.625% 0.50 $1,335 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to L & N
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Below are L & N branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

L & N Locations

Financial Details

L & N Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of L & N. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
L & N U.S. Average
5.78% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, L & N had $9,387,689 in non-current loans and $42,708 in owned assets. To cover these potential losses it had $159,125,603 in net worth and $4,088,588 in loans loss reserves. That gives it a Texas Ratio of 5.78%.

Net Worth
L & N U.S. Average
10.89% 13.61%

L & N FCU has a net worth of 10.89% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About L & N

Branches and Savings

What is L & N?

A federal credit union, registered with the NCUA under certificate #9260.
Learn more about credit unions here.

Is L & N FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join L & N?

Please see Field of Membership information above for information on who is eligible to join.

What are L & N's share account and share certificate rates?

L & N's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is L & N?

L & N has total capital of $159.13 million. Full information on L & N's financial position is located above.

Who owns L & N?

Credit Unions are owned by their members.

Where are L & N branches located?

See branch locations nearby.

Are L & N ATMs Open 24/7?

Do L & N ATMs accept cash deposits?

Can L & N customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does L & N have a mobile app?

Does L & N have mobile deposit?

Does L & N have quick pay?

How can L & N transfer money to other banks or credit unions?

Does L & N report to credit bureaus?

Does L & N use Chexsystems?

Does L & N use Equifax?

What is L & N's toll free phone number?

What is L & N's ACH Routing Number?

What is L & N's SWIFT code?

Where can I find L & N's wire transfer form?

What is the L & N address for deposits?

What Products Does L & N Offer

Does L & N offer mortgages?

Compare mortgage rates here.

Does L & N offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does L & N offer auto and RV loans?

Compare auto loan rates here.

Does L & N offer student loans or personal loans?

Compare personal loan rates here.

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