Routing & Transit Number: 283079227

Safety Net

Protect Your Loan

Whether you’re taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen – life happens. You’re betting you can pay back your loan and you won’t lose your job (to no fault of your own), or become disabled (due to injury or illness), or pass away, leaving your family responsible for your loan balance. Life events can cause financial hardship, making bill-paying difficult. You don’t want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.


Help Play It Safe

SafetyNet is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. And, simple eligibility requirements ease the enrollment process.

Protection That Matters

If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), SafetyNet will cancel or reduce repayment of your loan debt – helping to lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging.


Protected events include:

• Loss of life, including those caused by acts of war
• Disability, including those caused by acts of war 
• Involuntary unemployment

For more information, contact us at (800) 292-2905 or (502) 368-5858. Or, email us at



* SafetyNet is a debt protection product offered by L&N Federal Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact an LNFCU loan officer for additional information on benefit maximums, eligibility, limitations, and a copy of your contract.

© 2013 L&N Federal Credit Union | 9265 Smyrna Pkwy, Louisville, KY 40229 | 502.368.5858 | 800.292.2905
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