Why LOC?

LOC Federal Credit Union has been meeting the financial needs of members and their families since 1950. As a member/owner of LOC, you can enjoy a wide range of benefits and receive personalized service from our dedicated staff.

LOC has the pleasure of serving all who live, work, worship or attend school in Livingston and SW Oakland Counties. When you have established an LOC account, you and your entire family can enjoy lifetime membership because our policy is “once a member, always a member.” No matter where you live or work, it’s easy to do business with LOC.

Services are constantly reviewed and improved to provide you with the most competitive savings and lending programs, and we are committed to staying on the leading edge of technology by providing 24/7 access to your account.

Most of our services are offered with low or no fees, and we offer low-rate loans for many reasons. Our staff takes the time to help you compare what you are paying for services and loans at other financial institutions and to show you how much you can save when you bring that business to LOC. At LOC Federal Credit Union, we become Financially Fit Together!

Take the time to review our web site and you’ll quickly see that LOC Federal can meet your total financial needs now and into the future.

We look forward to serving you!

Benefits of Credit Unions vs Banks

• Credit unions are owned by their members and are not for profit. Big banks are owned by stockholders who expect to earn a profit.
• Credit unions often pay higher savings rates and offer lower loan rates than big banks—while protecting their members with NCUA insurance for accounts up to $250,000.
• Credit union members get convenient access to their money through more than 28,000 surcharge-free ATMs in the nationwide CO-OP Network.
• LOC belongs to the CU Service Centers family. Our members have access to more than 4,300 shared branching locations and 2,430 self-service kiosks nationwide and abroad powered by CO-OP.
• Just like banks, credit unions are everywhere. Everyone within LOC's membership area can join.
• It is easy to see for yourself one of the big differences between credit unions and large, national banks: the personalized service you can expect when you're not just a customer—you're a member.