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Operational Changes

Coronavirus Update

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May 26, 2020 Update

We are welcoming you back into our branches as our Farmington and Hartland lobbies are now available by appointment only for non-cash transactions. Howell follows on June 15 due to on-going construction activities at this location as we prepare a new space for you. Cash transactions will continue at the Farmington and Howell drive-thrus and at ATMs at all three locations.

  Farmington Howell Hartland


Service Provided:
New membership
Add account
Loan application
New Debit Card*
Add/Remove Joint or Beneficiary
Signature Guarantee
Wire Transfer*

*Note these can also be performed in our drive-thru

Beginning June 1

By Appointment
9 a.m. to 5 p.m.

Friday 9 a.m. to 6 p.m.

Saturday 9 a.m. to noon


Beginning June 15

By Appointment
9 a.m. to 5 p.m.

Friday 9 a.m. to 6 p.m.

Saturday 9 a.m. to noon 

Beginning June 1

By Appointment
9 a.m. to 5 p.m.

Friday 9 a.m. to 6 p.m.

Saturday 9 a.m. to noon


Services Provided:
Cash/Check Deposit
Cash Withdrawal
Cashier's Check
Money Order

9 a.m. to 5 p.m.

Friday 9 a.m. to 6 p.m.

Saturday 9 a.m. to noon

9 a.m. to 5 p.m.

Friday 9 a.m. to 6 p.m.

Saturday 9 a.m. to noon



Make an Appointment

or call/text 800.837.4562

Here's what we are doing to protect you and our team members:
  • Limiting the number of appointments to two at a time at Farmington and three at a time at Hartland
  • Prescreening members prior to their appointment
  • Performing daily wellness checks of our team members prior to their arrival
  • Wearing Masks
  • Ongoing deeper cleaning of our offices
  • Adding protective shields where appropriate
We appreciate your cooperation with the following to help protect your fellow members and our team:
  • Do not make an appointment if you have
    • Any COVID-19 related symptoms
    • Had any close contact in the last 14 days with someone with a COVID-19 diagnosis
    • Had close contact in the last 14 days with an individual exhibiting any symptoms of COVID-19
  • Wait inside your vehicle until your scheduled appointment time
  • Wear a mask inside our offices. If you need a mask, simply ask and we will provide one to you
  • Make use of hand sanitizer located throughout our offices
  • Limit the number of people in your party to only those who are needed to complete your financial business. We will not provide any waiting area in our lobbies
  • Continue to perform all cash transactions in the drive-thru or by using the ATM
Safe and Secure

During these difficult times, you can have the peace of mind knowing that your LOC deposit accounts are federally insured for at least $250,000 by the National Credit Union Administration. Additionally, LOC has earned a five-star rating from BauerFinancial. This is the highest rating possible. BauerFinancial is an independent source for unbiased, independent credit union and bank ratings. No institutions pay for this rating, nor can they avoid a rating.

On a final note, I want to express my continued appreciation to our members for demonstrating cooperation and patience. I also want to thank our dedicated Board of Directors for their support, and certainly our exceptional employees who have demonstrated poise and professionalism during this difficult time.

Stay well and healthy.

Best regards,

Stephen P. Grech

Financial Hardships

LOC stands ready to help our members navigate the financial hardships they may be experiencing related to this pandemic. The Credit Union’s Leadership has provided our team with tools and options that can help reduce your financial anxiety as it relates to your LOC loans and the need for extra cash. We know each person’s situation is going to be different, and we want to come up with a winning solution to your unique set of circumstances.



  • Our three branch locations are equipped with deposit-automated ATMs that don’t require the use of an envelope for either cash or checks.  Cash deposits are immediately available to you, just as they would be if you made the deposit inside our branch.
  • If you are not near a branch, use one of more than 30,000 fee-free ATMs in the CO-OP Network.
  • If you use your LOC debit or credit card for purchases, consider adding your cards to your phone’s Digital Wallet. This form of contactless payment will limit your exposure to payment terminals at point-of-sale for those merchants who accept this form of payment.
  • Use the mobile deposit feature in our mobile apps for checks. We frequently review these items to ensure members have access to their funds as quickly as possible.


  • Call 800.837.4562. Our Contact Center is open Monday through Thursday 9 a.m. to 5 p.m., Friday 9 a.m. to 6 pm., and Saturday 9 a.m. to noon.
  • Text 800.837.4562. You can text us your question, and a team member will respond back to you during business hours.
  • If you do need a loan, consider applying online on our website or in online/mobile banking.  In most instances, the process can be completed remotely using DocuSign.


We recognize that fraudsters may also take advantage of an opportunity like this to cause harm to our members.  Know that:

  • LOC will never call you and ask for your member number or debit or credit card numbers over the phone.
  • If you receive a phone call that seems suspicious, hang up and call us back.
  • LOC will never request that you send personal information via email unless you are using the Message Center feature in online or mobile banking.
  • If you receive an email that looks suspicious, email and let us know that you believe it is suspicious so we can investigate the source, and alert our membership. Afterward, delete it immediately.

Have Questions Related to the Federal Stimulus Payments?

Check out our FAQ

Stay Informed

Visit the Centers for Disease Control and Prevention for the most update to date details.

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