Credit union · NCUA insured
L&N Federal Credit Union CD Rates
Top CarrotL&N Federal Credit Union’s best CD rate is 4.25% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How L&N Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where L&N Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
L&N Federal Credit Union
4.25%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $317
Certificates
Top rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
2nd-highest rate
Lincoln National Bank
4.65%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $505
L&N Federal Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where L&N Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.25%APY · 9 terms
Dividends are earned daily and posted quarterly (with the exception of 6 month certificates, where dividends are posted at maturity). Rates offered can vary from week to week.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends posted at maturity | 2.75% | $137 |
| 9 months | 4.25% | $317 |
| 12 months | 3.25% | $325 |
| 13 months | 4.00% | $434 |
| 18 months | 3.25% | $491 |
| 24 months | 3.25% | $661 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.50% | $1,877 |
Easy Save Certificate
0.25%APY · 1 term
Available in 1 year term. Dividends are earned daily and posted quarterly. Allows deposits to the certificate whenever desired, during the term. Great for establishing good savings habits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAllows deposits to the certificate whenever desired during the term | 0.25% | $25 |
Special-purpose accounts
IRA Certificates
3.50%APY · 1 term
Dividends are earned daily and posted quarterly (with the exception of 6-month IRA certificates, where dividends are posted at maturity). All IRA share certificates have a minimum balance of $1,000.00 and are available in terms 6 months thru 5 years. Tax deductions and deferrals subject to eligibility.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months | 3.50% | $1,877 |
Sources (3)
All captured Sep 19, 2026
1 Year HSA Certificate
3.25%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.25% | $325 |
Sources (1)
- lnfcu.com/rates · captured Sep 19, 2026
1 Year Youth Certificate
3.25%APY · 1 term
The Youth Certificate is for children 17 and under.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor children 17 and under | 3.25% | $325 |
Sources (1)
- lnfcu.com/rates · captured Sep 19, 2026
1 Year Youth Education Certificate
3.25%APY · 1 term
The Youth Certificate is for children 17 and under.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor children 17 and under | 3.25% | $325 |
Sources (1)
- lnfcu.com/rates · captured Sep 19, 2026
IRA Easy Save Certificate
0.25%APY
IRA Easy Save share certificate at 0.25 APY with a $250.00 minimum can make contributions to share certificate throughout the term of the certificate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upCan make contributions to share certificate throughout the term of the certificate.$250 and up | 0.25% | $25 | Can make contributions to share certificate throughout the term of the certificate. |
Sources (1)
- lnfcu.com/rates · captured Sep 19, 2026
Who can join L&N Federal Credit Union
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.
Membership information collected October 4, 2026.