Credit union · NCUA insured
Louisville Federal Credit Union
Top CarrotA $34.9M credit union headquartered in Louisville, KY, with 2,184 members and 2 branches in Kentucky. Best rates: CDs 4.50% and savings 0.20% APY.
Louisville Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#6 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 Louisville Federal Credit Union
Founded in 1924 by United States Post Office employees in Louisville, Kentucky, Louisville Federal Credit Union is the oldest credit union in the state of Kentucky.
Headquartered in Louisville, Kentucky, the credit union serves more than 3,500 Federal employees in the Louisville area.
- Headquarters
- 1420 Gardiner Ln Rm 66, Louisville, KY 40231-8900
- NCUA charter
- 62433
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Federal Government contract employees are eligible for membership.
- Federal Government Employees are eligible for membership.
- Federal Government Retirees are eligible for membership.
Family and household
- Family members (related by blood or marriage) of current or eligible members are eligible for membership.
Cost to join
- There is no fee for membership.
- A minimum opening deposit and active balance of $25.00 into a savings account is required.
Branches
2 branches in Kentucky
Loading map…
Kentucky
2 branches
- Branch 1 - 1420 Gardiner LaneMain office1420 Gardiner Ln Rm 66, Louisville, KY 40231Directions
- Branch 2 - Mazzoli Federal Building600 Dr Martin Luther King Pl, Louisville, KY 40202Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 20.05% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.84% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.56% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $33 | $59 | — |
- CapitalNet worth ratio20.05%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.84%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.56%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$33Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Louisville 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.