L&N Employees

4101 Vanderbilt Rd, Birmingham, AL 35217

NCUA Insured4.3 (12 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Birmingham, AL may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsBusiness LoansCredit Cards

Location & Directions

Address

4101 Vanderbilt Rd

Birmingham, AL 35217

Google Maps 🗺Waze

(205) 841-2544

Service Area

This credit union is located in Birmingham and serves members in the AL area. Currently serving 1,417 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.97%

Used Auto Loan

8.51%

Personal Loan

15.94%

Credit Card APR

11.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in AL

Lowest rates currently reported by credit unions in AL (NCUA Q4 2025).

North Alabama Papermakers— New Auto Loan

Stevenson, AL

2.36%

Nrs Community Development— Used Auto Loan

Birmingham, AL

2.25%

Baldwin County— Personal Loan

Bay Minette, AL

6.99%

Eco— Credit Card APR

Birmingham, AL

7.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.3

12 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

michelle cooper

a year ago

Friendly & helpful credit union. A great service for the RR community. For anyone that has been unable to enter the building, please know that this credit union is closed membership for RR employees & is not open for the public. You must work with a RR to have an account with this credit union. The ladies of the credit union work very hard to excel at their customer service skills while also going above & beyond for their membership. Negative comments that have no basis are harmful & unnecessary. Much appreciation to the L&N Credit Union staff & volunteers.

Jonathan Page

5 years ago

Great financial institution. The ladies are the best in the business. Always friendly and smiling. The building is always safe a secure due to their top notch Officers.

Amanda Gilley

6 years ago

I have been banking with this credit union for 20 years. They have always had a friendly and helpful staff. I appreciate all that Michelle, Melissa, Angelique, and Destiny do for me.