Credit union · NCUA insured
L&N Federal Credit Union Savings Rates
Top CarrotL&N Federal Credit Union’s best savings rate is 1.75% APY on $10,000, with its Regular Money Market. Rates checked October 22, 2026.
How L&N Federal Credit Union’s savings 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
1.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $175
Regular Money Market
Top rate
LG&E Co. Credit Union
5.12%APY
- Minimum
- $50
- Earns on $10,000 a year
- $512
2nd-highest rate
Beacon Community Credit Union
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
L&N Federal Credit Union savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0001.75%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0003.25%
- QualifiedQualified1.75%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premier Money Market Special
3.25%APY
Premier Money Market requires a $25,000 minimum balance to open and earn dividends. If balance drops below $25,000, dividends will not be earned. No monthly maintenance fees. Dividends are earned daily and posted monthly. 6 withdrawals or transfers per month. Rates can change weekly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upDividends are earned daily and posted monthly. Required minimum balance of $25,000 to earn dividends and open account; if balance drops below $25,000, dividends will not be earned.$25,000 and up | 3.25% | — | Dividends are earned daily and posted monthly. Required minimum balance of $25,000 to earn dividends and open account; if balance drops below $25,000, dividends will not be earned. |
Regular Money Market
1.75%APY
Regular Money Market has no minimum opening balance requirement. No monthly maintenance fees. Dividends are earned daily and posted monthly. Up to 6 withdrawals or transfers per month. Rates can change weekly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Dividends are earned daily and posted monthly. | 1.75% | — | Dividends are earned daily and posted monthly. |
| $5,000 – $15,000Dividends are earned daily and posted monthly. | 1.75% | $175 | Dividends are earned daily and posted monthly. |
| $15,000 – $25,000Dividends are earned daily and posted monthly. | 1.75% | — | Dividends are earned daily and posted monthly. |
| $25,000 – $50,000Dividends are earned daily and posted monthly. | 2.25% | — | Dividends are earned daily and posted monthly. |
| $50,000 – $100,000Dividends are earned daily and posted monthly. | 2.75% | — | Dividends are earned daily and posted monthly. |
| $100,000 and upDividends are earned daily and posted monthly. | 3.25% | — | Dividends are earned daily and posted monthly. |
Savings
0.05%APY
A savings account at L&N establishes membership and makes you eligible for all services. Dividends are earned daily and paid quarterly. Minimum withdrawal is $5.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 0.10% | — |
| $50,000 – $100,000 | 0.15% | — |
| $100,000 and up | 0.20% | — |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
IRA Savings
0.20%APY
Dividends are earned daily and posted quarterly. Bank IRA savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Health Savings Account
0.05%APY
HSA eligibility depends on health plan deductibles. Dividends are earned daily.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.02% | — |
| $5,000 – $15,000 | 0.05% | $5 |
| $15,000 – $25,000 | 0.05% | — |
| $25,000 – $50,000 | 0.07% | — |
| $50,000 – $100,000 | 0.07% | — |
| $100,000 and up | 0.10% | — |
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.