Birmingham, AL 35217

Notable Rates APY Vs.Others
Savings 0.05% 2.10% →
1-Year CD 0.30% 2.02% →
2-Year CD N.A. 2.02% →
5-Year CD 2.00% 2.02% →
30-Year Mortgage N.A. 3.03% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 3.25% →

2020 Overview

General Credit Union Information

L&n Employees is an NCUA insured institution located in Birmingham, AL. It was founded in 1952 and has approximately $8.82 millions in assets.

NCUA Insured Yes
Charter Number # # 62356
Date Established 1952
Assets $8.82 million
Loans $6.11 million
Deposits $7.22 million
Capital $1.98 million

Deposit Rates - March 30, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $1,000 - Learn MoreShow Less
6 Mo CD
0.20% $1,000 - Learn MoreShow Less
Fixed IRA
0.51% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1,000 $4,999 Learn MoreShow Less

Loan Rates - March 30, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for L&N EMPLOYEES

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

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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

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L&n Employees Locations

Financial Details

L&n Employees Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of L&n Employees. 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 Employees U.S. Average
14.52% 5.86

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 June 30, 2019, L&n Employees had $229,270 in non-current loans and $63,991 in owned assets. To cover these potential losses it had $1,978,141 in net worth and $41,418 in loans loss reserves. That gives it a Texas Ratio of 14.52%.

Net Worth
L&n Employees U.S. Average
22.42% 13.65%

L&n Employees FCU has a net worth of 22.42% versus the BestCashCow average of 13.65. 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 Employees

Branches and Savings

What is L&n Employees?

A federal credit union, registered with the NCUA under certificate #62356.
Learn more about credit unions here.

Is L&n Employees 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 Employees?

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

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

L&n Employees'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 Employees?

L&n Employees has total capital of $1.98 million. Full information on L&n Employees's financial position is located above.

Who owns L&n Employees?

Credit Unions are owned by their members.

Where are L&n Employees branches located?

See branch locations nearby.

Are L&n Employees ATMs Open 24/7?

Do L&n Employees ATMs accept cash deposits?

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

Does L&n Employees have a mobile app?

Does L&n Employees have mobile deposit?

Does L&n Employees have quick pay?

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

Does L&n Employees report to credit bureaus?

Does L&n Employees use Chexsystems?

Does L&n Employees use Equifax?

What is L&n Employees's toll free phone number?

What is L&n Employees's ACH Routing Number?

What is L&n Employees's SWIFT code?

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

What is the L&n Employees address for deposits?

What Products Does L&n Employees Offer

Does L&n Employees offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does L&n Employees offer auto and RV loans?

Compare auto loan rates here.

Does L&n Employees offer student loans or personal loans?

Compare personal loan rates here.

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