Loving Our Community Heroes members enjoy special rates and benefits as a thank you for keeping our communities healthy and safe.
Eligible groups include:
- Military: Active Duty, Reserve, Retired and Veterans of any United States military division
- Law Enforcement: Currently Employed or Retired or Reserve from any local police department, sheriff, state or federal agencies to include FBI, CIA, DEA, ATF, U.S. Marshall, Customs, Border Protection and Secret Service.
- Fire Protection: Currently Employed, Retired or Reserve from any local fire department, airport authorities and federal and state wildfire services.
- Health Care: Those currently employed or retired from the health care industry including physicians, nurses, aides. residents, interns and fellows
Benefits
- 0.25% Rate Discount on qualifying Auto, Boat, RV or Motorcycle Loans
- Lender credit of $750 on mortgage closing costs
- 0.10% bonus paid on Certificates of Deposit with maturities of one year or longer
- Free ID Protect (Value $3 per month)
- 1 Free Skip a Pay per calendar year (Value $25)
- No Fee for Purchasing Visa Gift Cards (Value $3 per card)
- Free Use of Coin Machine at our Farmington Location
Additionally, we'd like to remind you of some of the everyday benefits your LOC membership provides:
- Free checking account
- Fee-free access to over 30,000 CO-OP ATMs across the country
- Credit Union Exclusive Rates on Home and Auto Insurance through our partnership with Members Home and Auto & TruStage
Current Heroes Program Rates
| Heroes Program | ||||
| Effective Date: Friday, January 22nd, 2021 | ||||
| Loan Type | Fixed APR As Low As | Term | Year | Loan Type |
| Auto Loan | 1.49% | Up to 60 Months | 2014-2020 | New & Used Auto |
| Motorcycle Loan | 1.49% | Up to 60 Months | 2014-2020 | New & Used Motorcycle |
| Boat or RV Loan | 3.99% | Up to 60 Months | 2016-2020 | New & Used Boat/RV |
APR = Annual Percentage Rate Rate and term may vary based on credit score. Restrictions apply. Longer-terms are available for Boat/RV loans at a discounted rate. Contact us for more information. | ||||
| View All Standard Rates | ||||
| Heroes Certificate & IRA Rates | ||||
| Effective Date: Friday, January 22nd, 2021 | ||||
| Minimum certificate deposit of $250 required. | ||||
| Account Type | Rate As Low As | APY | Dividends Paid | Penalties |
| 12 Month Heroes Cert / IRA | 0.40% | 0.40% | Monthly | 180 days* |
| 18 Month Heroes Cert / IRA | 0.40% | 0.40% | Monthly | 180 days* |
| 24 Month Heroes Cert / IRA | 0.40% | 0.40% | Monthly | 180 days* |
| 36 Month Heroes Cert / IRA | 0.50% | 0.50% | Monthly | 180 days* |
| 48 Month Heroes Cert / IRA | 0.60% | 0.60% | Monthly | 180 days* |
| 60 Month Heroes Cert / IRA | 0.80% | 0.80% | Monthly | 180 days* |
APY = Annual Percentage Yield $1,000 minimum deposit required to earn Heroes CD rates. * Penalty for early withdrawal of funds may apply on Certificate products. | ||||
This benefit does not apply to current rate specials for the products listed above.
Heroes CD/IRA CD rates only apply to those opened after program enrollment. If you have an existing CD/IRA CD prior to enrollment, contact us at maturity to switch your CD/IRA CD type to Heroes.
