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L and N Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 15, 2026
L and N Federal Credit Union's top rates as of October 15, 2026 are 4.25% APY on its 9 Month CD Special, 0.20% APY on savings, 3.25% APY on money market accounts, 0.10% APY on checking, 6.50% on its 5/5 ARM (Home Purchase Program) mortgage, personal loans from 8.49% APR, and credit cards from 7.40% APR, according to rates verified by MonitorBankRates. Other L and N Federal Credit Union CD rates include 13 Month CD Special at 4.00%, 5 Year CD at 3.50%, and 5 Year IRA (Traditional/Roth) at 3.50%. Other L and N Federal Credit Union mortgage rates include Adjustable Rate Mortgages (ARMS) - 5/5 ARM (Home Purchase Program) at 6.50%, 15 Year Fixed at 7.00%, and Fixed Rate Mortgages (FRMS) - 15 Year Fixed at 7.00%. MonitorBankRates evaluates the financial stability of L and N Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.91%. Rates last updated and verified on 10/15/2026.
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 L and N Federal Credit Union by leaving a review below, or read customer reviews before you decide to use L and N Federal Credit Union.
L and N Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
L and N Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.91%
ExcellentLower than avg
L and N Federal Credit Union Texas Ratio
L and N Federal Credit Union's Texas Ratio is 1.91%, which is considered excellent and is lower than the national average of 6.13%.
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.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.69% to 1.91% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
L and N Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
9 Month Certificate Special
-
4.25%
9 Months
Min Balance$1,000
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
13 Month Certificate Special
-
4.00%
13 Months
Min Balance$1,000
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
5 Year Certificate
-
3.50%
5 Years
Min Balance$1,000
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
5 Year IRA (Traditional/Roth)
-
3.50%
5 Years
Min Balance$1,000
DetailsIRA share certificate; available in terms 6 months thru 5 years
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
1 Year Certificate
-
3.25%
1 Year
Min Balance$1,000
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
1 Year HSA
-
3.25%
1 Year
Min Balance$1,000
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
1 Year Youth
-
3.25%
1 Year
Min Balance$500
DetailsYouth Certificate for children 17 and under
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
18 Month Certificate
-
3.25%
18 Month
Min Balance$1,000
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
2 Year Certificate
-
3.25%
2 Years
Min Balance$1,000
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
3 Year Certificate
-
3.25%
3 Years
Min Balance$1,000
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
4 Year Certificate
-
3.25%
4 Years
Min Balance$1,000
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
6 Month Certificate
-
2.75%
6 Months
Min Balance$1,000
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
L and N Federal Credit Union Savings Rates
Product
Rate
APY
View More
IRA Savings
-
0.20%
No additional details.
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Savings
-
0.20%
Min Balance$100,000
DetailsBalance: $100,000 & UP
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Savings
-
0.15%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Savings
-
0.10%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Savings
-
0.05%
Min Balance$0
DetailsBalance: 0 - $9,999
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Savings
-
0.05%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
L and N Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
-
3.25%
Min Balance$100,000
DetailsBalance: $100,000 & UP; Dividends are earned daily and posted monthly.
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Premier Money Market
-
3.25%
Min Balance$25,000
DetailsHeadline rate: Earn 3.25% APY on the Premier Money Market; Premier Money Market requires a $25,000 minimum balance; if balance drops below $25,000, dividends will not be earned; dividends earned daily and posted monthly; 6 withdrawals or transfers per month; rates can change weekly
Last Updated10/15/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Money Market
-
2.75%
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99; Dividends are earned daily and posted monthly.
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Money Market
-
2.25%
Min Balance$25,000
DetailsBalance: $25,000-$49,999.99; Dividends are earned daily and posted monthly.
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Money Market
-
1.75%
Min Balance$0
DetailsBalance: $0 - $4,999.99; Dividends are earned daily and posted monthly.
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 1.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Money Market
-
1.75%
Min Balance$5,000
DetailsBalance: $5,000 - $14,999.99; Dividends are earned daily and posted monthly.
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Money Market
-
1.75%
Min Balance$15,000
DetailsBalance: $15,000 - $24,999.99; Dividends are earned daily and posted monthly.
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
L and N Federal Credit Union Checking Rates
Product
Rate
APY
View More
HSA Checking
-
0.10%
Min Balance$100,000
DetailsBalance: $100,000 & Up
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
HSA Checking
-
0.07%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 0.07% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
HSA Checking
-
0.07%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 0.07% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Checking
0.05%
0.05%
DetailsDividend available with Premium, Military, and First Responder Checking Accounts and have no minimum balance requirements. The Superior Checking Account also earns dividends, but if the average daily balance for the month drops below $2000, then a $10 fee will be assessed.
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
HSA Checking
-
0.05%
Min Balance$5,000
DetailsBalance: $5,000 - $14,999.99
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
HSA Checking
-
0.05%
Min Balance$15,000
DetailsBalance: $15,000 - $24,999.99
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
HSA Checking
-
0.02%
Min Balance$0
DetailsBalance: $0 - $4,999.99
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
L and N Federal Credit Union Business Checking Rates
Product
Rate
APY
View More
Preferred Business Checking
-
0.10%
Min Balance$100,000
DetailsBalance: $100,000 & Up
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Preferred Business Checking
-
0.07%
Min Balance$25,000
DetailsBalance: $25,000 - $99,999.99
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Preferred Business Checking
-
0.05%
Min Balance$0
DetailsBalance: $0 - $24,999.99
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
L and N Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
5/5 ARM (Home Purchase Program)
6.50%
-
6.643%
DetailsAdjustable Rate Mortgage (ARM); Minimum loan amount $20,000.00; loan term 10 to 30 years; rate adjusts after 5 years, then every 5th year, max 2% change per adjustment, loan maximum 6%; index 5YR Treasury bill; APR based on $60,000.00 loan
Last Updated10/15/2026
Rate History
No change since Oct 12, 2026 · 6.64% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Adjustable Rate Mortgages (ARMS) - 5/5 ARM (Home Purchase Program)
6.50%
-
6.643%
DetailsRates based on representative credit score and LTV; APR disclosed for 'A' credit; minimum loan amount $20,000.00; rate adjusts after 5 years, max 2% change per adjustment, loan maximum 6%; minimum loan term 10 years, maximum 30 years
Last Updated10/15/2026
Rate History
No change since Oct 15, 2026 · 6.64% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
15 Year Fixed
7.00%
-
7.239%
DetailsFixed Rate Mortgage; APR based on $60,000.00 loan; maximum loan amount $832,750
Last Updated10/15/2026
Rate History
No change since Oct 12, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Fixed Rate Mortgages (FRMS) - 15 Year Fixed
7.00%
-
7.239%
DetailsRates based on representative credit score and LTV; APR disclosed for 'A' credit; maximum loan amount $832,750
Last Updated10/15/2026
Rate History
No change since Oct 15, 2026 · 7.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
10 Year Fixed
7.00%
-
7.334%
DetailsFixed Rate Mortgage; APR based on $60,000.00 loan; maximum loan amount $832,750
Last Updated10/15/2026
Rate History
No change since Oct 12, 2026 · 7.33% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Fixed Rate Mortgages (FRMS) - 10 Year Fixed
7.00%
-
7.334%
DetailsRates based on representative credit score and LTV; APR disclosed for 'A' credit; maximum loan amount $832,750
Last Updated10/15/2026
Rate History
No change since Oct 15, 2026 · 7.33% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Adjustable Rate Mortgages (ARMS) - 15/15 ARM
7.25%
-
7.399%
DetailsRates based on representative credit score and LTV; APR disclosed for 'A' credit; minimum loan amount $20,000.00; 6% cap every 15 years, 6% lifetime cap
Last Updated10/15/2026
Rate History
No change since Oct 15, 2026 · 7.40% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
30 Year Fixed
7.375%
-
7.526%
DetailsFixed Rate Mortgage; 30 year term; APR based on $60,000.00 loan; maximum loan amount $832,750
Last Updated10/15/2026
Rate History
1 change since Oct 12, 2026 · 7.78% → 7.53% ▼ 0.25 pts · high 7.78% / low 7.53%
Oct 15, 20267.53%▼ from 7.78%
Oct 12, 20267.78%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Fixed Rate Mortgages (FRMS) - 30 Year Fixed
7.375%
-
7.526%
DetailsRates based on representative credit score and LTV; APR disclosed for 'A' credit; maximum purchase and limited cash-out 97% LTV; maximum cash-out refinance 80% LTV; maximum loan amount $832,750
Last Updated10/15/2026
Rate History
No change since Oct 15, 2026 · 7.53% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
20 Year Fixed
7.50%
-
7.696%
DetailsFixed Rate Mortgage; APR based on $60,000.00 loan; maximum loan amount $832,750
Last Updated10/15/2026
Rate History
No change since Oct 12, 2026 · 7.70% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Fixed Rate Mortgages (FRMS) - 20 Year Fixed
7.50%
-
7.696%
DetailsRates based on representative credit score and LTV; APR disclosed for 'A' credit; maximum loan amount $832,750
Last Updated10/15/2026
Rate History
No change since Oct 15, 2026 · 7.70% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Adjustable Rate Mortgages (ARMS) - Construction to Perm 15/15 ARM
7.25%
-
7.912%
DetailsRates based on representative credit score and LTV; APR disclosed for 'A' credit
Last Updated10/15/2026
Rate History
No change since Oct 15, 2026 · 7.91% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Construction to Perm 15/15 ARM
7.25%
-
7.912%
DetailsConstruction to permanent Adjustable Rate Mortgage; 6% cap every 15 years, 6% lifetime cap; APR based on $60,000.00 loan
Last Updated10/15/2026
Rate History
1 change since Oct 12, 2026 · 8.05% → 7.91% ▼ 0.14 pts · high 8.05% / low 7.91%
Oct 15, 20267.91%▼ from 8.05%
Oct 12, 20268.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
First Time Home Buyer (FTHB) - 30 Year Fixed
8.375%
-
8.66%
DetailsRates based on representative credit score and LTV; APR disclosed for 'A' credit; minimum loan amount $30,000.00, maximum $832,750; maximum purchase transaction 97% LTV; PMI not required; FTHB loans not assumable
Last Updated10/15/2026
Rate History
1 change since Oct 12, 2026 · 8.91% → 8.66% ▼ 0.25 pts · high 8.91% / low 8.66%
Oct 15, 20268.66%▼ from 8.91%
Oct 12, 20268.91%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
First Time Home Buyer 30 Year Fixed
8.375%
-
8.66%
DetailsFirst Time Home Buyer (FTHB) fixed rate mortgage; minimum loan amount $30,000.00, maximum $832,750; PMI not required; FTHB loans not assumable; APR based on $60,000.00 loan
Last Updated10/15/2026
Rate History
No change since Oct 15, 2026 · 8.66% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
L and N Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity - Adj. Rate Interest Only HELOC
6.75%
-
6.75%
Details12-Month Introductory Rate; assumes applicant credit score 720+, first mortgage held by L&N FCU, max CLTV 90%; adjustable rate based on WSJ Prime plus/minus a margin after introductory period; interest-only minimum payments
Last Updated10/15/2026
Rate History
No change since Oct 12, 2026 · 6.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Home Equity - Fixed Rate HELOC
7.50%
-
7.50%
DetailsAssumes applicant credit score 720+, first mortgage held by L&N FCU, max CLTV 90%
Last Updated10/15/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
L and N Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan - 2025-2027 NEW
-
-
5.49%
Up to 63 months
DetailsModel Year: 2025-2027 NEW; Fixed APR; Rates based on representative credit score and LTV, APR for 'A' credit; vehicle considered used for any model year with 20,000 or more miles
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 5.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Auto Loan - 2020-2023 USED
-
-
5.75%
Up to 51 months
DetailsModel Year: 2020-2023 USED; Fixed APR; Rates based on representative credit score and LTV, APR for 'A' credit; vehicle considered used for any model year with 20,000 or more miles
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 5.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Auto Loan - 2024-2026 USED
-
-
5.75%
Up to 63 months
DetailsModel Year: 2024-2026 USED; Fixed APR; Rates based on representative credit score and LTV, APR for 'A' credit; vehicle considered used for any model year with 20,000 or more miles
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 5.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Auto Loan - 2020-2023 USED
-
-
6.50%
52 - 63 months
DetailsModel Year: 2020-2023 USED; Fixed APR; Rates based on representative credit score and LTV, APR for 'A' credit; vehicle considered used for any model year with 20,000 or more miles
Last Updated10/15/2026
Rate History
No change since Oct 4, 2026 · 6.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Auto Loan - 2024-2026 USED
-
-
6.50%
64 - 75 months
DetailsModel Year: 2024-2026 USED; Fixed APR; Rates based on representative credit score and LTV, APR for 'A' credit; vehicle considered used for any model year with 20,000 or more miles
Last Updated10/15/2026
Rate History
No change since Oct 4, 2026 · 6.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Auto Loan - 2025-2027 NEW
-
-
6.50%
64 - 84 months
DetailsModel Year: 2025-2027 NEW; Fixed APR; Rates based on representative credit score and LTV, APR for 'A' credit; vehicle considered used for any model year with 20,000 or more miles
Last Updated10/15/2026
Rate History
No change since Oct 4, 2026 · 6.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Auto Loan - 2016-2019 USED
-
-
7.00%
Up to 51 months
DetailsModel Year: 2016-2019 USED; Fixed APR; Rates based on representative credit score and LTV, APR for 'A' credit; vehicle considered used for any model year with 20,000 or more miles
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 7.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
L and N Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Credit Card
7.25%
7.399%
DetailsAdjustable Rate Mortgage (ARM); Minimum loan amount $20,000.00; 6% cap every 15 years, 6% lifetime cap; index 10YR Treasury bill; APR based on $60,000.00 loan
Last Updated10/15/2026
Rate History
No change since Oct 15, 2026 · 7.40% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Platinum Credit Card
-
12.00%
DetailsPublished APR range: 12.00% - 18.00%. Credit card APR range as printed; rates are fixed (non-variable) and determined at account opening
Last Updated10/15/2026
Rate History
No change since Oct 15, 2026 · 12.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Platinum Business Credit Card
-
18.00%
DetailsRates are fixed (non-variable) and determined at account opening
Last Updated10/15/2026
Rate History
No change since Oct 15, 2026 · 18.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Platinum Rewards Credit Card
-
18.00%
DetailsRates are fixed (non-variable) and determined at account opening
Last Updated10/15/2026
Rate History
No change since Oct 15, 2026 · 18.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
L and N Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loan
8.49%
12 Month
DetailsPublished APR range: 8.49% - 18.00%. Fixed APR range; 8.49% APR available for credit scores 760 or higher; based on credit qualifications
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 8.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Signature Loan
8.49%
24 Month
DetailsPublished APR range: 8.49% - 18.00%. Fixed APR range; 8.49% APR available for credit scores 760 or higher; based on credit qualifications
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 8.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Signature Loan
8.49%
36 Month
DetailsPublished APR range: 8.49% - 18.00%. Fixed APR range; 8.49% APR available for credit scores 760 or higher; based on credit qualifications
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 8.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Signature Loan
8.49%
48 Month
DetailsPublished APR range: 8.49% - 18.00%. Fixed APR range; 8.49% APR available for credit scores 760 or higher; based on credit qualifications
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 8.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Signature Loan
8.49%
60 Month
DetailsPublished APR range: 8.49% - 18.00%. Fixed APR range; 8.49% APR available for credit scores 760 or higher; based on credit qualifications; payment calculations based on this term
Last Updated10/15/2026
Rate History
No change since Sep 17, 2026 · 8.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
L and N Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Platinum Loan
-
-
12.00%
DetailsRate range: 12.00% - 18.00%; Regular APR: 12.00% - 18.00%; Rates are fixed (non-variable) and determined at account opening
Last Updated10/15/2026
Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
91 Day Money Market
-
-
2.00%
91 Day
Min Balance$25,000
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Easy Save
-
-
0.25%
1 Year
Min Balance$250
DetailsContributions allowed throughout the term
Last Updated10/15/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.91%
Financial Health History
L and N Federal Credit Union’s Texas Ratio stayed near 1.69% in Q3 2023 to 1.91% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$2.6B
1.91%
5.0
A+
March 31, 2026
$2.6B
1.52%
5.0
A+
December 31, 2025
$2.5B
2.29%
5.0
A+
September 30, 2025
$2.4B
2.27%
5.0
A+
June 30, 2025
$2.4B
2.89%
5.0
A+
March 31, 2025
$2.4B
2.66%
5.0
A+
December 31, 2024
$2.3B
3.74%
5.0
A+
September 30, 2024
$2.2B
3.49%
5.0
A+
June 30, 2024
$2.2B
2.74%
5.0
A+
March 31, 2024
$2.2B
1.68%
5.0
A+
December 31, 2023
$2.1B
2.73%
5.0
A+
September 30, 2023
$2.1B
1.69%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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.
Address
9115 Smyrna Pkwy,
Louisville, KY 40229-1578
Phone502-368-5858
Fax502-515-8390
PresidentGary Lord
CEOChristopher Brown
Full-Time Employees300
Part-Time Employees6
Branch Locations25
ATM Locations25
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.91%
Return on Assets (ROA)
0.5537%
Return on Equity (ROE)
5.2468%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
2,647,866,979
Total Amount of Shares and Deposits
2,260,920,197
Total Shares and Deposits < 1 Year
2,132,102,858
Total Shares and Deposits 1 3 Years
92,082,624
Total Shares and Deposits > 3 Years
36,734,715
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
313,333,586
Total Uninsured Shares and Deposits > $250K (F+J)
313,333,586
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,947,586,611
Total Interest Expense (Sum of items 6 8)
26,039,208
Share Certificates
17,394
Number of Accounts for Share Drafts
90,419
IRA KEOGH Accounts
6,619
Number of Accounts for Regular Shares
138,898
All other shares
2,245
Money Market Shares
10,359
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
195,117,396
Total Liabilities
2,368,431,605
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
L and N Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About L and N Federal Credit Union
How many branches does L and N Federal Credit Union operate?
L and N Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is 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. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, L and N Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, L and N Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
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. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lnfcu.com.
Current L and N Federal Credit Union Rates
12-Month CD3.25%
18-Month CD3.25%
24-Month CD3.25%
60-Month CD3.50%
Savings0.20%
MMA3.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
