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L & N

9115 Smyrna Pkwy, Louisville, KY 40229
NCUA Insured3.9 (44 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

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

Location & Directions

Address

9115 Smyrna Pkwy

Louisville, KY 40229

Service Area

This credit union is located in Louisville and serves members in the KY area. Currently serving 120,488 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

6.18%

Used Auto Loan

7.59%

Personal Loan

13.25%

Credit Card APR

12.70%

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 KY

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

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

Branches & Locations(28 total)

Member Reviews

3.9

44 Google reviews

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

View on Google Maps
R M Dunn

R M Dunn

8 months ago

This location is very basic like it hasn't been updated in 30 years. The staff are unfriendly, unhappy and act disgusted and put off that they have to wait on me. I dread going to this location, and try to use this credit union as little as possible. They seem to think they are better than other people. They don't even pay a decent interest rate on savings, inflation is running at 4% and they offer less than 1% per year.

Derrick Johnson

Derrick Johnson

5 months ago

As soon as I get my last deposit, I’m canceling my account with them, this has to be the worse credit union ever. Wasted my time and money here.

William Kinser

William Kinser

10 months ago

They have and always are great ppl there . Ive been banking there for quite alot of years and they have helped me build credit and gave me great direction. Thatnk you Jackie and team

Pinky the Cow

Pinky the Cow

7 years ago

This is the main branch I use for all of my in person needs. I use the app to pay for every bill except for one and that is to pay a person who is way stuck in a time long ago. So every month I go down and get one certified check to mail to that person. It is almost always a pleasure to go down there each and every time. Yes sometimes it can be busy but with the renovations that were just done. The line to move through the tellers is much faster and it’s easier to get in and out of the building. I have never had a customer service problems with attitudes or poor service. If I did have a problem I know who to talk to unlike a bank. Friendly and professional is the standard at this branch.

Joan Poole

Joan Poole

a year ago

May have received a bad check written against this place. Trying to work with a lady called Karen Heavrin and can’t get an answer if the numbers on the bottom of the check on legal. Very poor communication. The person who wrote the check states a KYaddress, maybe a coincidence or maybe a former employee but get no answer.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).