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SAVINGS ACCOUNTS
We offer many different savings vehicles to meet the needs of our members.

Savings Account
Also known as Share Account, is a safe and secure place to save money and earn dividends. Opening a Share Savings Account establishes your membership with the credit union. With your $25 opening deposit, you become a part owner in L & N Credit Union.

Club Accounts
Want to save for a vacation or the expense of the Christmas season? Clubs Accounts are a perfect way to save for the money you need later. Deposits to these accounts earn a higher rate than our savings account and are deposited to your savings/checking account once per year.

Certificates of Deposit – CD
Opening a CD is quick and simple. With at least $1000 and terms ranging from six months to five years, you can start earning the highest rates the credit union offers.  

Individual Retirement Account – IRA
Our traditional IRA are a special investment vehicle that allows earnings to grow, tax deferred. You can invest up to $5,500 per year in a traditional IRA. You may also be able to transfer funds from another retirement account from your employer. Why watch your HARD-EARNED retirement funds lose money? Your L & N IRA is easy, safe, secure, and federally insured up to $250,000 by the National Credit Union Administration (NCUA).

*Early withdrawal penalties may apply, please call the credit union for details.

 

CHECKING ACCOUNTS

Regular Checking Account
After joining L & N you can open your Regular Checking Account. NO large opening deposits, high daily balance requirements or service charges. L & N Checking is a simple and easy account that saves you time and money.

Regular Checking Account benefits including:
No Minimum Balance Requirement
No Monthly Service Charge
Unlimited Check Writing
VISA Check Card
Internet Home Banking & Bill Pay
24-Hour Telephone Teller
FREE Notary Service

Interest Checking Account
Interested in earning dividends on your checking? Check out our Interest Checking Account!

Interest Checking Account benefits include:
Earn Dividends on average daily balances > $1000
No Per-Check Fees
VISA Check Card
Internet Home Banking & Bill Pay
24-Hour Telephone Teller
FREE Notary Service

Golden Advantage Account
If you are 65 years of age or older you are entitled to receive some great products and services simply by opening our Golden Advantage Checking! Enjoy all of the benefits of the Regular Checking Account plus all of these great additional benefits:
FREE Checks
1 FREE Cashier’s Check per month
1 FREE Money Order per month

Business Checking Account
Business Account needs may vary but ALL businesses need an account to manage its money and pay bills, employees, etc. L & N offers safe and convenient checking accounts for small businesses.

Share Insurance Coverage

L & N Credit Union is federally insured by the National Credit Union Administration (NCUA) with deposits insured up to at least $250,000 per individual depositor. The NCUA is the independent agency that administers the National Credit Union Share Insurance Fund (NCUSIF). Like the FDIC's Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government.
Deposits at L& N Credit Union are covered by NCUSIF protection, and not one penny of insured savings has ever been lost by a member of a federally insured credit union.

 

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