L&N Federal Credit Union is open to everyone in the Louisville Metropolitan Area, as well as to people in portions of Southea ... stern and Northern Kentucky. Click here for full details on geographic areas of eligibility. Established in 1954, the credit union was founded to serve the L&N Railroad workers in Louisville Kentucky. In 1982, the credit union converted to a Multi-Group Charter and went on to serve various businesses throughout Kentucky, Southern Indiana, and Tennessee. In 2004, the credit union changed to a Community Charter. With current assets over $1.1 billion dollars, and an array of products and services, L&N can offer everything necessary for someone's personal or business finances. Over 85,000 people have taken advantage of flexible mortgage and consumer loans, free online/mobile banking, free checking, commercial loans and more.. Set up as a financial cooperative, credit union profits are given back to individuals by way of better interest rates, lower fees, convenience services, and resource programs. read more