L & N Credit Union Louisville KY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to L & N, your trusted financial partner located at 12981 Shelbyville Rd, Louisville, KY 40243. Established in 1954, our credit union has proudly served a growing community of 115,921 members, dedicated to providing personalized financial solutions tailored to your needs. With total assets amounting to an impressive $2,227,103,822 and total deposits of $113,602,855, we stand strong as a reliable institution that prioritizes your financial well-being. At L & N, we understand that every member's journey is unique. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking options. Our commitment extends beyond just banking; it's about building relationships within the community and ensuring your financial goals are met. Our leadership team is here for you. Led by CEO Christopher Brown and Board President Gary Lord, our knowledgeable staff of 297 employees is dedicated to serving you with integrity and care. Whether you have questions or need assistance, don't hesitate to reach out at 502-368-5858. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 12981 Shelbyville Rd, Louisville, KY 40243. Join us today at L & N! Explore how we can help you secure your financial future by visiting our website at lnfcu.com or calling us directly. Your journey towards better banking starts here!

Branch History & Mission

Join Us!

If you're looking for a credit union that values its members and strives for excellence in all areas of service, look no further than L & N. Experience firsthand how we blend community spirit with personalized banking solutions tailored just for you. Visit us today or call us at (502) 368-5858 to learn more about becoming a member. Together, let's build a brighter financial future!

Our Journey

L & N was founded with the mission to serve the financial needs of our members while promoting financial literacy and inclusion. Over the years, we have evolved significantly, growing from humble beginnings into a robust institution with total assets exceeding $2.2 billion. Our branch at 12981 Shelbyville Rd, Louisville, KY 40243, is conveniently located near local landmarks that make it easy for you to visit us. As we expanded our offerings to include personal banking products like checking and savings accounts, auto loans, mortgages, and credit cards with rewards, our commitment to innovation remained strong. We embraced digital advancements to ensure that our members can access their accounts anytime and anywhere through online and mobile banking services.

Our Mission

At L & N, our mission is simple yet powerful: We aim to empower our members through accessible financial services while actively engaging in community support initiatives. This means not only helping you manage your finances but also investing in programs that uplift our local neighborhoods. Whether it's supporting local schools or partnering with organizations that provide essential services, we believe that strong communities lead to thriving individuals. While members can visit us at 12981 Shelbyville Rd Louisville Ky 40243, official correspondence should be sent to 12981 SHELBYVILLE RD, LOUISVILLE, KY 40243. We invite you to take advantage of our operating hours Monday through Friday from 10 AM to 7 PM and Saturday from 10 AM to 4 PM. With ATM availability at our branch for your convenience and no drive-thru service currently offered, we're focused on delivering quality service directly inside.

Branch Location & Accessibility

Call to Action

Ready to take the next step towards better banking? We invite you to visit us at L & N or give us a call today! Your financial well-being is our top priority, and we look forward to helping you achieve your goals.

Nearby Landmarks and Accessibility

Located near popular spots like the local shopping center, our branch is not only easy to reach but also surrounded by plenty of parking options. We understand how important accessibility is, so we've made sure our facility complies with ADA standards, featuring ramps and wide entrances to ensure everyone can visit comfortably. While members can visit us at 12981 Shelbyville Rd Louisville Ky 40243, official correspondence should be sent to our mailing address at 12981 SHELBYVILLE RD, LOUISVILLE, KY 40243. Our branch serves Jefferson County and is proud to offer a welcoming environment for all community members.

Operating Hours and Services

We're here for you during convenient hours: Monday through Friday from 10 AM to 7 PM and Saturday from 10 AM to 4 PM. Need assistance? Don't hesitate to give us a call at (502) 368-5858. Our team is eager to help you with personal banking, auto loans, mortgage options, credit cards, and more. For added convenience, we also have an ATM available on-site for quick withdrawals and balance checks. Although we don't offer drive-thru banking at this location, our friendly staff is always ready to serve you inside.

Member Eligibility

At L & N, we believe that everyone deserves a supportive financial community. Becoming a member is easier than you might think! If you live, work, or worship in our local area, you're likely eligible to join us. We welcome individuals and families who seek not just a bank, but a partner in their financial journey. By choosing L & N, you'll gain access to a wide range of services designed to help you thrive, from competitive loan rates to personalized banking solutions. Ready to take the first step? Simply visit us at 12981 Shelbyville Rd Louisville Ky 40243 or give us a call at (502) 368-5858 for more information. You can also check out our detailed eligibility criteria online at . And when you're ready to open your account, just follow the simple steps outlined here: https://lnfcu.symapp.jhahosted.com/ . We can't wait to have you as part of our community!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $316 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $690,527,807, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the tools you need to accept payments easily, manage transactions smoothly, and keep track of your finances without a hassle. Our merchant services provide just that. With solutions tailored for various types of businesses, you can focus on what matters most serving your customers and growing your enterprise. Located at 12981 Shelbyville Rd Louisville Ky 40243, Louisville, KY, we're here to help your business thrive. For more information or to discuss how we can assist you, call us at (502) 368-5858.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With our convenient ATM & Cash Withdrawal Services, accessing cash is hassle-free. Enjoy basic ATM access for withdrawals and balance checks whenever you need it. Whether you're visiting us in person at Middletown Wal-mart or accessing services online through our website at https://www.lnfcu.com/ , L & N is committed to making banking easy and accessible for all members. If you have any questions or would like assistance with any of these services, don't hesitate to reach out at (502) 368-5858. We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options can help you get behind the wheel without breaking the bank. We provide competitive rates and flexible terms, making it easier for you to afford the vehicle you want.

Business Banking

For our business members, we offer comprehensive Business Banking solutions including merchant services and business loans. We know running a business comes with its challenges, so we're here to provide the financial support you need.

Credit Cards with Rewards

Don't forget about rewards! Our Credit Cards with Rewards program allows you to earn points on everyday purchases. Imagine getting cashback or travel rewards just for using your card it's a great way to make the most out of your spending.

Mortgage Loans & Refinancing

Homeownership is a dream for many, and at L & N, we make it more attainable with our Mortgage Loans & Refinancing services. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, our experienced staff will guide you through the process.

Personal Banking

Managing your finances should be straightforward. That's why we offer Personal Banking services including checking and savings accounts tailored to fit your lifestyle. Imagine being able to easily manage your money online or through our mobile app. With our Online & Mobile Banking features, accessing your account anytime and anywhere is simple and secure.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or trying to manage debt, our Personal Loans & Debt Consolidation options can provide relief. We offer customized solutions that fit your financial situation, helping you regain control over your finances.

Digital & Online Banking

Convenient Online Banking Services

Our online banking services are available 24/7 at https://www.lnfcu.com/ . This means whether you're at home or on the go, you can check your balance, pay bills, and transfer funds with just a few clicks. Plus, our user-friendly interface makes navigation a breeze, even for those new to online banking.

Mobile Application & Payments

For those who prefer banking at their fingertips, our mobile application is ready to help. With features like mobile payments, you can make purchases quickly and securely right from your smartphone. Whether you're grabbing coffee or shopping for groceries, using your phone to pay has never been easier.

Person-to-Person Transfers Made Easy

Need to send money to a friend or family member? Our person-to-person transfer feature allows you to send funds instantly with just a few taps. It's an easy way to share expenses or settle up without the hassle of cash. With all these features combined along with real-time account management banking with us means you can stay connected and in control of your finances wherever life takes you. Experience the benefits of modern banking today!

Secure & Efficient Transactions

Security is a top priority at L & N. We utilize electronic signature authorization to ensure that your transactions are safe and secure. You can also enjoy the convenience of e-statements, which provide a quick and eco-friendly way to keep track of your finances without the clutter of paper statements.

Financial Strength

Growing Trust

The trust you place in us is evident with a total of 248,774 share accounts. This strong and growing member base shows that many individuals like you choose to manage their finances with L & N, further reinforcing our stability. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, L & N is your trusted partner. Visit us at 12981 Shelbyville Rd Louisville Ky 40243 or call (502) 368-5858 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $223,037,473 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $5,286 in used auto loans and $1,730,523,927 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $555,949,600 in share certificates and $451,008,631 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 290 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $236,608,614, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,062 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $71,339,732 in used vehicle loans and $22,953,144 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, our team is here to guide you through the process.

Business Financing

For business owners, our outstanding commercial loans totaling $690,527,807 provide the capital needed to grow and expand your business. We understand the unique challenges faced by businesses today and are committed to supporting your success with tailored financing solutions. At L & N, we also offer refinancing options for those looking to adjust their existing loan terms or lower their monthly payments. If you're considering refinancing or want more information on eligibility, please reach out to us at (502) 368-5858. We believe that every member deserves access to quality financial products without unnecessary complexity. Whether you're interested in auto financing, home loans, or personal credit solutions, we're here for you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today and see how we can help you take control of your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $134,306,528, make buying or refinancing simple. We can assist you in exploring different financing options to find what best fits your situation.

Unsecured Credit Cards

Managing everyday expenses can be easier with our flexible unsecured credit card loans. We have provided a total of $12,815,358 in loans to help members manage their finances effectively. With our credit cards, you'll enjoy rewards and benefits that enhance your spending experience.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that all offers are fair and transparent. Each comparison reflects the current market rates, giving users a clear view of their options without hidden surprises.

L & N FEDERAL CREDIT UNION