L & N Federal Credit Union
Headquarters
9115 Smyrna Pkwy
Louisville, KY 40229
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2024 Overview
General Credit Union Information
L & N is an NCUA insured institution located in Louisville, KY. It was founded in 1954 and has approximately $2180.03 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 / Federally Chartered |
| Charter Number # | # 9260 |
| Date Established | 1954 |
| Assets | $2,180.03 million |
| Loans | $1,668.18 million |
| Deposits | $1,854.22 million |
| Capital | $232.13 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 29, 2024
Your Current Location: Georgia, GA 10007
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.05% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | $99 | Learn More |
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - October 29, 2024
Your Current Location: Georgia, GA 10007
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 - Georgia 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1039147 |
6.243% | 6.125% | 1.00 | $4,101 | $1,945 | Learn More |
NMLS ID: 1835285 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.482% | 6.375% | 0.75 | $3,610 | $1,997 | Learn More |
NMLS ID: 1838 |
6.599% | 6.500% | 0.50 | $3,294 | $2,023 | Learn More |
Featured - Georgia Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to L & N
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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:
Statesboro,Georgia
L & N Locations around zip code 10007
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 322.33 | A | View Lobby Hours | |
| 336.62 | B | View Lobby Hours | |
| 346.81 | C | View Lobby Hours | |
| 353.23 | D | View Lobby Hours | |
| 435.81 | E | View Lobby Hours | |
| 442.72 | F | View Lobby Hours | |
| 442.73 | G | View Lobby Hours | |
| 442.73 | H | View Lobby Hours | |
| 447.81 | I | View Lobby Hours | |
| 448.53 | J | View Lobby Hours | |
| 449.37 | K | View Lobby Hours | |
| 449.94 | L | View Lobby Hours | |
| 453.22 | M | View Lobby Hours | |
| 453.67 | N | View Lobby Hours | |
| 458.41 | O | View Lobby Hours | |
| 480.30 | P | View Lobby Hours |
Climate Policy and Initiatives
L & N is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 7.35% | 5.83 |
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, 2024, L & N had $17,310,357 in non-current loans and $130,881 in owned assets. To cover these potential losses it had $232,133,946 in net worth and $5,048,358 in loans loss reserves. That gives it a Texas Ratio of 7.35%.
Net Worth
| L & N | U.S. Average |
|---|---|
| 10.65% | 13.93% |
L & N FCU has a net worth of 10.65% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for L & N
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