Our mission extends beyond providing excellent financial services. We believe in giving back to the Williamsburg community through various outreach initiatives and partnerships. Whether it's sponsoring local events or supporting educational programs, we're dedicated to making a difference in the lives of those around us. While members can visit us at 589 W Highway 92 for all their banking needs during our operating hours (Monday to Friday from 10 AM to 7 PM and Saturday from 10 AM to 4 PM), official correspondence should be sent to the same address as our mailing address: 589 W HIGHWAY 92, WILLIAMSBURG, KY 40769.
At L & N, we invite you to experience the benefits of membership firsthand. With a focus on personal service and community support, we're here to help you achieve your financial goals. Whether you're looking for a loan or simply need advice on managing your finances, our friendly team is ready to assist you. Join us today and become part of a legacy built on trust and dedication. For any inquiries or assistance, feel free to reach out at 502-368-5858. Your journey towards financial empowerment starts here!
Since opening our doors nearly seven decades ago, L & N has witnessed remarkable growth and change. From humble beginnings, we have expanded our services to include personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our mission is simple yet profound: to enhance the financial well-being of our members while fostering a supportive environment that encourages community growth. As we look back on our journey, we celebrate the milestones that have defined us our commitment to ADA compliance ensuring accessibility for all members, embracing technology with online and mobile banking options, and offering ATM services for added convenience. Each step we've taken has been guided by our desire to serve you better.
Should you have any questions or need assistance, feel free to give us a call at 502-368-5858. We're always happy to help! Come visit us today and discover how L & N can support your financial journey!
Our doors are open Monday through Friday from 10 AM to 7 PM and Saturday from 10 AM to 4 PM. This flexible schedule allows you to visit us at a time that works best for you. Whether you're stopping by after work or on the weekend, we're here to assist you with your banking needs.
At L & N, we offer a range of personal banking services including checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing options, personal loans for debt consolidation, and credit cards with rewards. We also provide business banking solutions such as merchant services and business loans. Plus, you can enjoy the convenience of online and mobile banking along with ATM access right here at our location!
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.
Imagine being able to accept payments seamlessly while managing your cash flow effectively. Our merchant services allow you to do just that. Whether you're a local shop owner or a service provider, we equip you with the tools necessary for efficient transactions and customer satisfaction. If you're ready to take your business to the next level, visit us at 589 W Highway 92 Williamsburg Ky 40769 or call us at (502) 368-5858. Let's work together to build a brighter future for your business!
Need cash quickly? We've got you covered with ATM access available at our branch. Withdrawals and balance checks are just a few taps away, ensuring you always have easy access to your funds. At L & N, we pride ourselves on being more than just a financial institution; we're a part of your community. With our comprehensive list of services designed for personal and business needs alike, we aim to make banking simple and effective for everyone. If you're ready to experience friendly service and reliable financial solutions, contact us today at (502) 368-5858 or visit us at 589 W Highway 92 Williamsburg Ky 40769 in Williamsburg, KY! Join us at Williamsburg Wal-mart where your financial well-being is our priority!
Thinking about purchasing a new car? Our auto loans and vehicle financing options can help make that dream a reality. We offer competitive rates and flexible terms to suit your budget. Picture driving off in your new vehicle while knowing you got the best deal possible with L & N.
At L & N, we recognize that small businesses play a vital role in our community's economy. Our business banking services include merchant services and business loans tailored to help you thrive. We support local entrepreneurs by providing resources that empower growth and success.
For those who love rewards, our credit cards come packed with benefits. Earn points or cashback on everyday purchases, making each transaction count towards something more. It's like getting paid for spending!
Buying a home is one of the biggest decisions you'll ever make, and at L & N, we want to be there for you every step of the way. Our mortgage loans and refinancing solutions are designed to help you secure your dream home or save money on your current mortgage. Let us guide you through the process with personalized service that caters to your unique needs.
In today's fast-paced world, convenience matters. That's why we offer online and mobile banking features, allowing you to access your accounts anytime, anywhere. Pay bills, transfer funds, or check balances from the comfort of your home or on the go using our user-friendly app.
We understand that managing your finances is important, which is why our personal banking services are tailored for you. Whether you're looking for checking or savings accounts, we have options that fit various lifestyles. Imagine having a checking account that not only helps you manage your day-to-day expenses but also offers competitive interest rates on your savings. With us, you can build your financial future with confidence.
Life can bring unexpected expenses, and sometimes you might need a little extra help. Our personal loans and debt consolidation services provide flexible solutions to manage those costs effectively. Whether it's consolidating debt or covering an emergency expense, we're here to assist you in finding the right solution.
Stay organized with e-statements that allow you to view your financial information without the clutter of paper statements. You can easily track your spending and save trees at the same time! If you want to send money to a friend or family member, our person-to-person transfer feature lets you do that instantly no need for cash or checks.
For those who prefer using their phones for payments, our mobile payments feature ensures that transactions are smooth and secure. Just tap and go! This means whether you're shopping at a local store or ordering takeout, paying is quick and easy. With all these features combined, banking with L & N means having everything you need right at your fingertips. Experience the freedom of real-time account management while enjoying peace of mind knowing your information is protected. Join us today and embrace the future of banking!
Our operational efficiency is highlighted by a net income of $7,171,297, which enables 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.
Our commitment is further reflected in the number of people who choose us as their trusted credit union. Total Share Accounts stand at 248,774, showcasing a strong and growing member base that trusts us with their finances. 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 589 W Highway 92 Williamsburg Ky 40769 or call (502) 368-5858 to learn more about how we can help you achieve your financial goals.
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.
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 capacity to lend is supported by $5,286 in used auto loans and $1,730,523,927 in total loans and leases, helping our members achieve their financial goals across various sectors.
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 10.62% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.
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. We provide financing options for both new and used vehicles, ensuring you have access to the funds you need without breaking the bank.
For business owners, our outstanding commercial loans totaling $690,527,807 provide the capital needed to grow and expand. Whether you're looking for a small business loan or financing for larger projects, our dedicated team is here to guide you through every step of the process.
We also offer flexible terms on unsecured credit card loans, with a total of $12,815,358 in loans helping members manage their finances effectively. These cards come with benefits like rewards programs and no annual fees, allowing you to enjoy your purchases while staying within budget.
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 offer various mortgage products that can cater to different budgets and lifestyles, making it easier than ever for you to invest in your dream home.
If you're considering refinancing any existing loans, we have options available that could lower your monthly payments or reduce your interest rate. It's always a good idea to explore how refinancing can save you money over time. At L & N, we prioritize transparency and member satisfaction. You can reach us at (502) 368-5858 or visit us at our branch located at 589 W Highway 92 Williamsburg Ky 40769 in Williamsburg, KY for more information on our loan offerings or assistance with your application. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're committed to providing quality service and support as you navigate your financial journey with us.
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