Financially fit for the whole family. Quackers Club (under 12) Join hundreds of members age 12 and under* in the Quackers Club. This club has been designed especially to meet the needs of our young members. This is a great way to learn about financial responsibility and have fun at the same time. Some of the benefits of this program include: Special gifts when the Quackers Club account is opened Quarterly statements detailing account activity Special step-stool to use at the teller window Access to one of 18 student-run credit unions in Farmington, Hartland and Howell Schools There are no account fees for Quackers Club members. Plus, you can watch your savings grow as we pay quarterly dividends on the balance in your account. There is no minimum balance required to earn dividends, but there is a minimum of $5 to open the account. Join Today Teen Club If you're between the ages of 13 to 17*, LOC Federal Credit Union has a program designed especially for you, called the Teen Club. Account and services options depend on the age of the teen: Ages 13-17 Ages 16-17 Savings Account Money Fund Account Share Certificates Debit Card with ATM functionality only Checking Account Online and Mobile Banking Debit Card Join Today *Parent or Legal Guardian must be joint on the account to be eligible for all services until age 18.