Home
Contents
Explore
Search

L & N Credit Union

Overview
Back to Top

L & N Credit Union is a federal credit union based in Louisville, Kentucky. It has been opened since 1954, for 66 years.

With around $1,235,700,000 in assets, L & N Credit Union is considered to be a very large credit union. It has 18 branches and 18 ATM locations.

About
Address 9265 Smyrna Parkway
Louisville, Kentucky 40229
Website http://www.lnfcu.com
Phone (502) 368-5858
Fax (502) 515-8390
CEO Gary C. Lord
President of the Board Roscoe Davis
Services Offered
Map
Back to Top
Score Card
Back to Top
66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
89,476 members
Membership type: Community credit union
Above average number of members
359:1
Credit union member to staff ratio
359 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$1,235,697,530
Total assets
Above average
18 branches
Compared with an average of 4 nationally and 3 in Kentucky
Above average number of branches
0.21%
Savings interest rate
Compared to 0.3% nationally
3.70%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
Back to Top
18 branches
Compared with an average of 4 nationally and 3 in Kentucky
Above average number of branches
L & N Credit Union Branch Locations

L. & North Credit Union: Old Brownsboro Crossing
9731 Von Allmen Court
Louisville, Kentucky 40241
ATM Available
L. & North Credit Union: Crestwood Wal-Mart
6501 Veterans Memorial Parkway
Crestwood, Kentucky 40014
ATM Available
L. & North Credit Union: Smyrna
9201 Smyrna Parkway
Louisville, Kentucky 40229
ATM Available
L. & North Credit Union: London South
120 Wendon Way
London, Kentucky 40741
ATM Available
L. & North Credit Union: Smyrna Admin
9265 Smyrna Parkway
Louisville, Kentucky 40229
No ATM
L. & North Credit Union: Mount Washington
129 Davis Drive
Mount Washington, Kentucky 40047
ATM Available
L. & North Credit Union: Fort Wright Walmart
3450 Valley Plaza Parkway
Fort Wright, Kentucky 41017
ATM Available
L. & North Credit Union: Smyrna Admin North
9203 Smyrna Parkway
Louisville, Kentucky 40229
No ATM
L. & North Credit Union: Erlanger
822 Donaldson Highway
Erlanger, Kentucky 41018
ATM Available
L. & North Credit Union: Williamsburg Wal-Mart
589 W. Highway 92
Williamsburg, Kentucky 40769
ATM Available
L. & North Credit Union: Southern Parkway
4700 Southern Parkway
Louisville, Kentucky 40214
ATM Available
L. & North Credit Union: London Downtown
101 Spring Street
London, Kentucky 40741
ATM Available
L. & North Credit Union: Corbin
1498 W. Cumberland Gap Parkway
Corbin, Kentucky 40701
ATM Available
L. & North Credit Union: Jeffersonville
1450 Veterans Parkway Suite 100
Jeffersonville, Indiana 47130
ATM Available
L. & North Credit Union: Middletown Wal-Mart
12981 Shelbyville Road
Louisville, Kentucky 40243
ATM Available
L. & North Credit Union: Dixie
7412 Dixie Highway
Louisville, Kentucky 40258
ATM Available
L. & North Credit Union: Mcmahan
3099 Breckenridge Lane Suite 109
Louisville, Kentucky 40220
ATM Available
L. & North Credit Union: Downtown
200 W. Chestnut Street
Louisville, Kentucky 40202
ATM Available
L. & North Credit Union: Jeffersontown
12629 Taylorsville Road
Louisville, Kentucky 40299
ATM Available
L. & North Credit Union: Somerset
2599 S. Highway 27
Somerset, Kentucky 42501
ATM Available
Members
Back to Top
89,476 members
Membership type: Community credit union
Above average number of members

With 89,476 members, the L & N Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 95% of credit unions.

Fees
Back to Top
$107
Average fee per member
The average fee per member at the L & N Credit Union is $107, which is very high compared to most credit unions. This rate is higher than 87% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the L & N Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
Back to Top
359:1
Credit union member to staff ratio
359 per each FTE employee
Compared to 411:1 nationally
Average number of staff
250 staff members
FTE (full-time equivalent)
7% of employees are part-time
240 full-time, 19 part-time

L & N Credit Union has 240 full-time staff members and 19 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 93% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. L & N Credit Union has around 359 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
Back to Top
$1,235,697,530
Total assets
Above average
Net worth
Back to Top
Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
11.4%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
Back to Top
$39,504
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 99% of credit unions.

L & N Credit Union holds a total of $917,110,000 in loans and leases, which is about $39,504 per member on average.

Savings interest rate
Back to Top
0.21%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. L & N Credit Union pays 0.21%.

Loan rates
Back to Top
3.70%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.72%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.23%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
Back to Top
3.98%
New car loan rate
Compared to 4.0% nationally
6.03%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
Back to Top
5.63%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.32%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
6.35%
Other real estate loan rates
Compared to 0.9% nationally
Green River Area Credit Union
Location
Owensboro, Kentucky
Members
5,473
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More
Lake Chem Community Credit Union
Location
Benton, Kentucky
Members
11,640
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
14.00%
Read More
C-Plant Credit Union
Location
Paducah, Kentucky
Members
18,927
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
10.73%
Read More
Greenup County Credit Union
Location
Russell, Kentucky
Members
660
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More
Louisville Gas And Electric Company Credit Union
Location
Louisville, Kentucky
Members
3,283
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
11.90%
Read More
Chemco Credit Union
Location
Louisville, Kentucky
Members
2157
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
12.90%
Read More