A Long History

Ladysmith Federal Savings and Loan Association opened its doors in 1934. We began with a small staff of only one who’s main charter as an association was to provide mortgages, savings accounts, certificates of deposit and share loans.

Today, Ladysmith Federal is a thriving full service financial institution with a staff of 11 and an active Ladysmith Federal new sign outsideboard of directors. Our goal is to meet all of our customers’ needs with a wide-variety of services including checking, saving and loan accounts along with debit cards, credit cards, free online bill pay and mobile banking just to name a few.

Experience You Know, People You Trust

Although you can expect exciting changes as we grow to meet your needs, one thing will not change: our friendly, professional staff and our shared commitment to our community. Our customers are our owners and the reason for our success! We are mutually owned, locally controlled.

We are one of the few mutual associations that exist today.  We pay both federal and state income taxes.  Mutual organizations are rare in today’s financial world … we are proud to give all that we can back to our community.

Here to Serve You

If you have any questions about our services, e-mail us or call 1-888-532-LFSL to speak to one of our staff members.