Routing & Transit Number: 283079227

Become a Member

If you live, work, worship, attend school, or

belong to any legal entity in any of the following

counties, YOU CAN NOW JOIN L&N!


  • Louisville
  • Southeastern
    KY Area
  • Northern
    KY Area

- Bullitt County

- Henry County

- Jefferson County

- Oldham County

- Shelby County

- Spencer County

- Trimble County

- Clark County, IN

- Floyd County, IN


- Laurel County

- Pulaski County

- Rockcastle County

- Whitley County

- Knox County

Eligibility for NKY is based on certain areas in the counties listed below. Please click the eligibility button for confirmation.


- Boone County

- Campbell County

- Kenton County

- Gallatin County

- Grant County

- Pendleton County

- Dearborn County, IN

- Hamilton County, OH

- Ohio County, IN




Family Membership

You are also eligible if someone in your immediate family is a current member. An immediate family member, as it pertains to credit union membership, is defined as: spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, step-siblings, and adoptive relationships. One can also be eligible by living in the same household with a current member, and contributes to the economic unit.


Minimum Requirements

Once eligibility has been established, to become an active member/owner, an applicant will need to deposit at least $5.00 in a regular shares account. After which, the member may then apply for any and all services offered at the credit union.


If you or someone you know would like the benefits of a financial institution that provides real options, contact us today!


In order to prevent the use of the U.S. banking system in terrorist and other illegal activity, federal regulations require all financial institutions to obtain, verify, and record identification from all persons opening new accounts or being added as signatories to existing accounts.




If you are enthusiastic, committed, and success oriented, you may be an ideal candidate for employment with L&N Federal Credit Union. L&N is committed to providing excellent service to our members.Click here for current Career Opportunities.