L and N Federal Credit Union Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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L and N Federal Credit Union's 13 month 13 Month CD Special rates are at 4.00%, 6 month 6 Month CD Special rates are at 4.00%. L and N Federal Credit Union's savings rates are at 0.05%. L and N Federal Credit Union's money market rates are at 2.00%. L and N Federal Credit Union's Personal Loan Rates are at 5.49%. You can compare L and N Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.72%, 6-month share certificate rates at 3.75% and 3-month share certificate rates at 3.45%. Savings rates are at 0.05% and money market rates are at 0.30%. Mortgage rates on 30-year fixed loans are around 6.15%. All these rates, and more, can be found in our database of rates which you can compare to L and N Federal Credit Union rates.
L and N Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available.Have you opened an account or have any experiences at L and N Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . L and N Federal Credit Union Texas RatioL and N Federal Credit Union's Texas Ratio is at 2.32%, which is considered excellent. The Texas Ratio for L and N Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that L and N Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
L and N Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Overall, L and N Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
L and N Federal Credit Union
Corporate Office 9115 Smyrna Pkwy
Louisville, KY 40229 1578 
L and N Federal Credit Union Savings Rates
L and N Federal Credit Union Money Market Rates
L and N Federal Credit Union Checking Rates
L and N Federal Credit Union Home Equity & HELOC
L and N Federal Credit Union Auto Loan Rates
L and N Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for L and N Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather L and N Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with L and N Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: L and N Federal Credit Union
Website: https://www.lnfcu.com
Full Time Employees: 293Part Time Employees: 9 President: Gary Lord CEO: Christopher Brown Branch Locations: 25 ATM Locations: 25 Corporate Office Address:
9115 Smyrna Pkwy
Louisville, KY 40229 1578 Phone Number: 502-368-5858 Fax Number: 502-515-8390 FinancialsTotal Assets:
2,425,291,283
Total Amount of Shares and Deposits:
2,063,794,645
Total Shares and Deposits < 1 Year:
1,945,396,776
Total Shares and Deposits 1 3 Years:
86,798,054
Total Shares and Deposits > 3 Years:
31,599,815
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
261,157,272
Total Uninsured Shares and Deposits > $250K (F+J):
261,157,272
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,802,637,373
Total Interest Expense (Sum of items 6 8):
35,882,490
Share Certificates:
16,087
Number of Accounts for Share Drafts:
88,351
IRA KEOGH Accounts:
6,706
Number of Accounts for Regular Shares:
135,563
All other shares:
2,172
Money Market Shares:
8,884
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
157,788,490
Total Liabilities:
2,167,041,640
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About L and N Federal Credit UnionIs a member application needed to join L and N Federal Credit Union?Yes, to access services at L and N Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, L and N Federal Credit Union provides a range of mortgage and home equity products. Is L and N Federal Credit Union a safe place to deposit money?Yes, L and N Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does L and N Federal Credit Union offer online and mobile banking?Most modern institutions like L and N Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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