L & N Federal Credit Union

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A short history of L & N FCU

Since its inception in 1954 the L & N Federal Credit Union has been serving its members in the LOUISVILLE, Kentucky area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Gary Lord, the L & N FCU has grown its membership to over 83,145 with assets of more than $1,133,732,603. They have a main office and 18 branch offices. Please see the credit unions website or contact them by phone at (502) 368-5858 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in LOUISVILLE, KY.

General Information For L & N FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 9260
Address 9265 SMYRNA PKWY 
State Kentucky 
Zip-Code 40229
Phone Number (502) 368-5858
Fax Number (502) 515-8390
Email Address: none
CEO/President Gary Lord
Members 83,145 
Full-Time Employees 237 
Part-Time Employees 29 
Number of Branch Offices 18 
Total Assets 1,133,732,603 
Website http://www.lnfcu.com 

Compare L & N Federal Credit Union To Other Local Credit Unions

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Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Park Community Credit Union, Inc. CU Hillview Office 134 Dr Arla Way 40229 (502) 957-7600 No 4.65
Class Act CU Main Office 3620 Fern Valley Rd 40219 (502) 964-7575 No 5.19
Beacon Community CU Tech Park 128 Rochester Dr 40214 (502) 364-6801 No 6.32
Autotruck Financial CU Bowling Green 1475 Campbell Ln 42104 (270) 781-4365 No 7.03
Rural Cooperatives CU Louisville Office 4515 Bishop Ln 40232 (800) 798-7228 No 7.06

L & N Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

L & N Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 3.41 5.76 4.01 5.37
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 198 417 140 274
Rank Among All Kentucky Credit Unions N/A 16 32 12 21

L & N Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.08 0.21 0.54 0.80 0.75
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 120 106 57 207 192
Rank Among All Kentucky Credit Unions 7 11 6 16 18
L & N Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 11.0706,40019,538,043
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.4101,67330,210,672
Used Vehicle Loans 5.7603,92436,044,583
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.0104,657621,830,982
Total Other Real Estate Loans/Lines of Credit 5.3702,90772,232,595
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 2.9001,14610,503,049
TOTAL LOANS & LEASES 20,707790,359,924

L & N Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 61464,690,724192,472,902
    b. 15 Years or less 1,12485,510,777778,608,408
    a. > 15 years 1128,709,696818,506,611
    b. 15 Years or less 17990,952,75044,292,600
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 582,391,70000
Adjustable Rate > 1 yr 2,671349,575,33540764,961,847


Closed-End Fixed Rate 3435,992,16010334,040
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 38214,213,145131,071,825
Open-End Fixed Rate 2,18252,027,2901673,826,265
TOTALS 7,564694,063,577705104,074,498


Interest Only & Payment Option 1st Mortgage Loans 2730,986,7166,582,730
Interest Only & Payment Option Other RE/LOC Loans 1137,5000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

L & N Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes