Need a loan? We've made it easy! You can apply for the following loans online: New or used vehicle Motorcycle Motor home RV Boat Personal Credit card Members Who Use Online Banking If you are an existing LOC Federal member who uses online banking, loan applications are easier and faster when you login to your account in online banking and click on the Loan Application tab. All your personal details will automatically pre-fill to save you time. Login Now Non-Members / Non Online Banking Users If you are not a member of LOC Federal, you will need to qualify for and become a member prior to closing on your loan. Membership is open to: Anyone who lives, works, worships, attends school or volunteers in Livingston or SW Oakland County. A current or eligible member's immediate family (spouse, sibling, child, grandchild, parent, grandparent) or an individual living in the same household of a current or eligible member can also join LOC. LOC members who don't use online banking should also use the link below to apply for a loan: Apply Now Mortgages and Home Equity Loans Applications for home equity lines of credit and home equity loans are done over the phone or in person. You can start the mortgage application process online at Mortgage Center. US PATRIOT ACT To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person that opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for a copy of your driver's license or other identifying documents. We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country. Please speak with a credit union staff member if you have any questions or concerns about our identity verification procedures.