Credit union · NCUA insured
L&N Federal Credit Union
Top CarrotA $2.6B credit union, the 205th largest of 4,329, headquartered in Louisville, KY, with 121,597 members and 25 branches in 2 states. Best rates: CDs 4.25% and savings 1.75% APY.
L&N Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 78% of U.S. banks and credit unions
#13 of 43 in Louisville/Jefferson County, KY-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About L&N Federal Credit Union
Established in 1954 to serve L&N Railroad workers and their families in Louisville, Kentucky, L&N Federal Credit Union is a cooperative financial institution owned and operated by its members.
Over the decades, the credit union expanded to serve various businesses throughout Kentucky and Southern Indiana.
- Headquarters
- 9115 Smyrna Pkwy, Louisville, KY 40229-1578
- NCUA charter
- 9260
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to people who live, work, worship, attend school, or belong to any legal entity in multiple areas.
Employers and groups
- Membership eligibility is open to companies and associations who have chosen L&N as their credit union.
Family and household
- Membership eligibility is open to family members of existing L&N members.
Branches
25 branches in 2 states
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Kentucky
22 branches
Louisville/Jefferson County area · 14
- Crestwood Wal-Mart6501 Veterans Memorial Pkwy, Crestwood, KY 40014Directions
- Lagrange2024 S Highway 53, La Grange, KY 40031Directions
- Dixie7412 Dixie Hwy, Louisville, KY 40258Directions
- Downtown200 W Chestnut St, Louisville, KY 40202Directions
- Fern Creek6410 Bardstown Rd, Louisville, KY 40291Directions
- Hikes Point3099 Breckenridge Ln, Ste 109, Louisville, KY 40220Directions
- Jeffersontown12629 Taylorsville Rd, Louisville, KY 40299Directions
- Middletown Wal-Mart12981 Shelbyville Rd, Louisville, KY 40243Directions
- Old Brownsboro Crossing9731 Von Allmen Ct, Louisville, KY 40241Directions
- Smyrna9201 Smyrna Pkwy, Louisville, KY 40229Directions
- Southern Parkway4700 Southern Pkwy, Louisville, KY 40214Directions
- Stonybrook2601 S Hurstbourne Pkwy, Louisville, KY 40220Directions
- Mount Washington129 Davis Dr, Mount Washington, KY 40047Directions
- Shepherdsville262 Adam Shepherd Pkwy, Shepherdsville, KY 40165Directions
Corbin area · 5
- North Corbin360 W Cumberland Gap Pkwy, Corbin, KY 40701Directions
- South Corbin1843 Cumberland Falls Hwy, Corbin, KY 40701Directions
- London Downtown101 Spring St, London, KY 40741Directions
- London South120 Wendon Way, London, KY 40741Directions
- Williamsburg Wal-Mart589 W Highway 92, Williamsburg, KY 40769Directions
Cincinnati area · 2
- Erlanger822 Donaldson Hwy, Erlanger, KY 41018Directions
- Ft Wright3425 Valleyplaza Pkwy, Fort Wright, KY 41017Directions
Somerset area · 1
- Somerset2599 S Highway 27, Somerset, KY 42501Directions
Indiana
3 branches
- Jefferson Ridge3524 E 10th St, Jeffersonville, IN 47130Directions
- Veterans Parkway1450 Veterans Pkwy, Ste 100, Jeffersonville, IN 47130Directions
- New Albany2865 Charlestown Rd, New Albany, IN 47150Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.55% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.26% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.15% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $92 | $88 | — |
- CapitalNet worth ratio10.55%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.26%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.15%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$92Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of L&N Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.