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Bank

SPEND

 * Free Checking
 * Secure Checking
 * Visa Debit Card
 * Visa Credit Card
 * Digital Wallets
 * Overdraft Solutions

SAVE

 * Savings
 * Kids & Teens (Youth Accounts)
 * Certificates
 * Money Fund

INVEST & PLAN

 * IRAs
 * Wealth Management
 * Guided Wealth Portfolio
 * AD&D and Life Insurance

CLASSROOM EXPERIENCES

LOC is providing local school districts an opportunity to partner up for one of
our interactive classroom experiences!

Learn More

Borrow

VEHICLE

 * Auto Loans
 * Lease Buyouts
 * Auto Refinancing
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LOAN SERVICES

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HOME

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OTHER LOANS

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OUR FREE CREDIT SCORE TOOL!

Keep a close eye on your credit report without impacting your credit score and
more thanks to SavvyMoney, available inside Digital Banking.

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 * Financial Wellness Tools 

SECURITY

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 * Digital ID

FEE-FREE ATMS

Did you know? You have fee-free access to more than 30,000 ATMs across the
country thanks to the CO-OP Network. 

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ManagementGuided Wealth PortfoliosAD&D and Life Insurance
Borrow
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OUR HOURS ARE CHANGING IN 2024!

We're expanding hours at most of our locations--including extended Saturday
hours. Telegraph will also be open on Saturday from 9:00 am to 1:00 pm.

Learn More about new hours are coming to loc locations


KEEP A PULSE ON YOUR ACCOUNTS

Stay on top of your accounts with customized alerts delivered straight to your
phone or e-mail.

Set Up Alerts


SAVINGS SECURED LOANS

Are a great way to borrow from yourself, while taking advantage of a lower
rate than a traditional loan and can be used for any purpose, big or small!

Apply Now     Make an Appointment


BUYOUT YOUR LEASE TODAY

With rates as low as 6.25% APR, we can help make the lease buyout process a
smooth one!

Apply Now     Make an Appointment


15-MONTH CERTIFICATE SPECIAL 4.70% APY

Get a great, guaranteed return on your money.

Learn More about certificates     See All Rates

 


$1,000 OFF CLOSING COSTS!

Our Real Estate Lending Team is standing by ready to assist you with free
expertise, unique solutions and a great special offer.

Learn More about buying or building a home     Make an Appointment

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EXPLORE OUR PRODUCTS & SERVICES

Auto LoansCredit CardsSavings GoalsChecking Accounts
Auto Loan
APR as low as
6.25%
HELOC
APR as low as
6.85%*
Home Equity
APR as low as
6.25%
7/1 ARM
30-Year Term Rates as low as
5.875%
15-Month CD
Annual Percentage Yield
4.70%

View All Rates Apply For a Loan Calculators


LOC CREDIT UNION OFFICIALLY BREAKS GROUND ON ITS NEW BRIGHTON LOCATION

We're excited to announce the construction of our brand new Financial Success
Center in Brighton is officially underway! We recently hosted a groundbreaking
with members of the Brighton Community and beyond. Stay tuned to our website and
e-mail communications for updates and progress along the way. We look forward to
becoming an official part of the Brighton community in 2024!

Learn More about loc credit union officially breaks ground on its new brighton
location

 

 


OLDER MODEL AND HIGHER MILEAGE VEHICLE LOANS NOW AVAILABLE!

The used car market continues to be a busy, but desirable one. Many consumers
are turning to older model year vehicles as costs and inventory continue to be a
challenge.

If you're looking to finance an older vehicle or one with higher mileage, we're
now offering finance options with rates beginning as low as 8.20% Fixed APR.

Give us a call today or click the apply now button below to get started.

Apply Now

 


YOU MIGHT ALSO LIKE

$1,000 OFF
CLOSING COSTS

Our Real Estate Lending Team is standing by ready to assist you with free
expertise, unique solutions and a great special offer.

Read More

PROTECT YOURSELF
THIS HOLIDAY SEASON

Fraud is on the rise, but especially ahead of the busy holiday season. Be sure
you're protecting you and your loved ones financial and personal information.

Read More

KEEP A CLOSE EYE
ON YOUR LOC CARDS

Our new Card Management features and controls are now available inside Digital
Banking to help put you in control of your cards and prevent fraud from
occurring on your account.

Read More

 


ARE YOU READY TO JOIN LOC?

It’s easy to become a member of LOC Credit Union!

Membership is open to anyone who lives, works, worships, or attends school in
the state of Michigan.

A current or eligible member's immediate family (spouse, sibling, child,
grandchild, parent, grandparent) or an individual living in the same household
of a current or eligible member can also join LOC.

Join Now

 


HERE TO HELP

DIGITAL BANKING

Are you a digital banking user?
Login to send us a secure message

CONTACT US

Want to talk to someone? Call or
text 800.837.4562

Monday - Thursday 9 am to 5 pm
Friday 9 am to 6 pm
Saturday 9 am to noon

MAKE AN APPOINTMENT

Need to come in to speak to someone? Make an appointment at one of our
convenient locations.

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800-837-4562 Contact Us Locations Careers Facebook LinkedIn YouTube Instagram


LOC Credit Union is a Michigan credit union offering free checking accounts,
credit cards, home mortgages, home equity and auto loans, online and mobile
banking and much more. Bank online or visit us today in Farmington, Dearborn,
Hartland, or Howell, MI. Membership is open to all of Michigan.



Fees & Disclosures Rates Frequently Asked Questions Privacy Accessibility
Routing #272479812NMLS# 638122

NCUA - Your savings federally insured to at least $250,000 and backed by the
full faith and credit of the United States Government. National Credit Union
Administration, a U.S. Government agency.


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