LOC Federal Credit Union

LOC, headquartered in the heart of Michigan, is a member-owned credit union dedicated to empowering our community with exceptional financial products and services. Founded on the principle of "people helping people, " LOC strives to put our members' needs first, providing guidance and support on their financial journeys. More than just a financial institution, we consider ourselves partners in your success, always ready to help you achieve your goals, big and small.

Our Comprehensive Service Offerings

LOC offers a wide array of financial solutions designed to meet the diverse needs of our members. From everyday banking necessities to sophisticated wealth management strategies, we have a product tailored to fit your unique circumstances.

Our convenient and secure Free Checking and Secure Checking accounts are designed to simplify your daily transactions. Enjoy access to over 30,000 ATM locations nationwide with no transactional fees, making managing your finances effortless. For added convenience, our Visa Debit Card allows you to shop and withdraw cash with peace of mind. Discover the flexibility of our Visa Credit Card, designed to help you build positive credit history and manage expenses effectively.

We understand the importance of financial security and stability, which is why we offer various savings products, including Kids & Teens (Youth Accounts) to encourage responsible financial habits from a young age, Certificates for short-term to long-term savings goals, and Money Funds providing liquidity while earning competitive interest rates.

At LOC, we recognize the importance of planning for the future. We offer comprehensive investment and retirement solutions like IRAs and Wealth Management options to help you reach your financial aspirations. From Guided Wealth Portfolios to expert personalized advice, we are here to guide you through every step of your investment journey.

Protecting Your Wellbeing

We want you to feel confident and secure with your finances. That's why we offer robust borrower protection programs, including AD&D and Life Insurance, ensuring peace of mind for both you and your loved ones.

LOC also understands that unexpected financial needs can arise. Our Loan Services offer flexibility with options like Skip a Pay, Credit Review Programs, and Auto Refinancing to help you navigate financial challenges and achieve your goals.

We believe in empowering you to take control of your financial well-being. That's why we provide a suite of digital tools such as Digital Banking, Mobile Deposit, Bill Pay, Account Alerts, and SavvyMoney financial calculators to help you manage your finances effortlessly and efficiently.

LOC is committed to helping you protect your valuable financial data. We invest in state-of-the-art security measures and offer resources for Fraud Protection, Identity Theft Protection, and Digital ID to safeguard your information and provide you with peace of mind.

Built on a Foundation of Community

Loving Our Communities is more than just a slogan; it lies at the heart of everything we do at LOC. We actively support local initiatives, organizations, and events that strengthen our community. From sponsoring youth sports teams to partnering with local charities, we believe in giving back and making a positive impact in our neighborhoods.