L&N Federal Credit Union is open to everyone in the Louisville Metropolitan Area, as well as to people in portions of Southeastern 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 assets over $1.2 billion dollars and an array of products and services, L&N can offer everything necessary for someone's personal or business finances. Over 90,000 people have taken advantage of flexible mortgage and consumer loans, free online/mobile banking, free checking, business accounts and more.