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BBB Accredited Business since

L & N Federal Credit Union

Additional Locations

Phone: (502) 368-5858 Fax: (502) 214-9672 9265 Smyrna Parkway, Louisville, KY 40229

BBB Business Reviews may not be reproduced for sales or promotional purposes.


Consumer Alert

It has been reported to the BBB that lottery "Prize Checks" bearing the name of the L&N Federal Credit Union have been sent to various recipients. Please be advised these checks are fraudulent and  being mailed by scammers. the check is  counterfeit.  L&N Federal Credit Union, has no part in this matter. If you receive one of these "prize checks" do not attempt to deposit or cash it and do not transfer any money by wire or debit card as requested by the scammer. THIS CHECK WILL BOUNCE Any money drawn on this check will require repayment by recipient to his/ her financial institution. If you have any questions or comments please do not contact L&N Federal Credit Union instead contact the BBB of Louisville at 502-583-6546

BBB Accreditation

A BBB Accredited Business since

BBB has determined that L & N Federal Credit Union meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for L & N Federal Credit Union include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 2 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Industry Ratings Comparison | Chart

Customer Complaints Summary Read complaint details

2 complaints closed with BBB in last 3 years | 1 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 2
Total Closed Complaints 2

Customer Reviews Summary Read customer reviews

0 Customer Reviews on L & N Federal Credit Union
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: March 11, 1991 Business started: 03/01/1954 in KY Business incorporated 03/01/1954 in KY
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

National Credit Union Administration
1775 Duke Street, Alexandria VA 22314-3428
Fax Number: 703-518-6409

Type of Entity


Business Management
Mrs. Sharon Cummings, Vice President of Admin. Member Services Mr. Gary Lord, President
Contact Information
Principal: Mrs. Sharon Cummings, Vice President of Admin. Member Services
Principal: Mr. Gary Lord, President
Business Category


Hours of Operation
Monday thru Thursday
9:00 a.m. – 5:00 p.m.
Friday 9:00 a.m. – 6:00 p.m.
Saturday 9:00 a.m. - Noon

Additional Locations

  • 12981 Shelbyville Road

    Louisville, KY 40243

  • 1450 Veterans Parkwy #100

    Jeffersonville, IN 47130

  • 200 West Chestnut Street

    Louisville, KY 40202

  • 3099 Breckenridge Lane # 109

    Louisville, KY 40220

  • 4700 Southern Parkway

    Louisville, KY 40214

  • 7412 Dixie Highway

    Louisville, KY 40258

  • 9201 Smyrna Parkway

    Louisville, KY 40229

  • 9265 Smyrna Parkway

    Louisville, KY 40229 (502) 368-5858

  • 9731 Von Allmen Court

    Louisvill, KY 40229


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

12/16/2015 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: There was $1000 charged to my account via my debit card. When I spoke with the bank I was told unless I had someone to prosecute, there was nothing that could be done. In addition to the $1000, the company the money was given to also received a $30 overdraft fee, ass I did not have that in my account. I am now -$346.00

Desired Settlement: I would like my money refunded

Business Response: Member called into our Contact Center and received incorrect information.  Checking Services Department contacted the member on 12-16-2015, assured her the charge would be reversed and any and all fees incurred would be refunded back to her account.  Member was advised to stop in closest branch office in order to complete the dispute charge paperwork and to pick up a new debit card, as the card used in the fraud is blocked and no longer valid.  Member appreciated our prompt response and is satisfied that all is being done to bring her account current.

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.


***** *********


9/19/2013 Problems with Product/Service | Complaint Details Unavailable

Customer Review(s)

The customer review(s) below are un-filtered. These positive and negative reviews are not used in the calculation of the BBB Rating. If you wish to file a complaint and request a resolution to your issue please click here. This customer review section is not BBBs complaint resolution system. Customer Reviews are the subjective opinion of the individual who posted the review and not of Better Business Bureau. A customer review is not posted on a business if a BBB complaint on the same issue(s) is also filed. BBB cannot guarantee the accuracy of any customer review and is not responsible for the content of any customer review. Public comments are not customer reviews.

Customer Reviews Summary

0 Customer Reviews on L & N Federal Credit Union
Positive Experience (0 reviews)
Neutral Experience (0 reviews)
Negative Experience (0 reviews)