We’re taking steps to help keep you financially fit. This page includes information on exciting updates taking place at LOC beginning Feb. 5, 2018. Many of the updates are a result of member feedback from the summer of 2016. Your LOC management team and Board of Directors have spent a considerable amount of time reviewing this feedback, looking at our operations and transactional trends, and considering options that would help us best serve our members. One of the key findings in the member feedback was a priority for Saturday hours. Our Hartland location has been open on Saturdays since 2007, and we have members who drive from Oakland County on Saturdays to do their financial business. We are pleased to announce that beginning in February, all LOC branch offices will be open on Saturdays from 9 a.m. to noon. We recognize that for many, the traditional 9 a.m. to 5 p.m. “bank hours” may not fit their busy work and personal schedules. While banking trends and technology like mobile deposit has made it easier to conduct transactional business remotely, many consumers still prefer a face-to-face personal exchange for more complex financial needs like new accounts and loans. It’s our hope that with the addition of Saturday hours, our members will choose us first when they have a financial need. Another exciting change taking place is expanded fee-free access to ATMs in the CO-OP Network. Members told us that they use these machines, along with machines located at LOC branches, more frequently than those outside of these two networks. By providing members unlimited, fee-free access to withdrawals and deposits at CO-OP ATMs, we believe our ATM network rivals that of larger banks. Please review the information carefully, and if you have additional questions, feel free to call us at 800.837.4562. New Branch Hours – Let's Get Financially Fit on Saturdays! We are pleased to announce that our Farmington and Howell branches will join our Hartland branch and open on Saturdays from 9 a.m. until noon. This includes both lobby and drive-thru. With this change our Monday through Friday lobby hours will experience slight modification. While our drive-thru hours will remain the same, our lobby hours will be 10 a.m. to 5 p.m. Monday through Friday. You may make appointments to see a Member Advisor from 9 a.m. to 10 a.m. Monday through Friday, and 5 p.m. to 6 p.m. on Friday. The table below outlines our new hours effective Feb 5, 2018. Farmington Howell Hartland Lobby Monday – Friday 10 a.m. to 5 p.m. Saturday 9 a.m. to noon Monday - Friday 10 a.m. to 5 p.m. Saturday 9 a.m. to noon Monday – Friday 10 a.m. to 5 p.m. Saturday 9 a.m. to noon Drive-Thru Monday - Thursday 9 a.m. to 5 p.m. Friday 9 a.m. to 6 p.m. Saturday 9 a.m. to noon Monday - Thursday 9 a.m. to 5 p.m. Friday 9 a.m. to 6 pm. Saturday 9 a.m. to noon Drive-Thru Not Available Contact Center Monday - Thursday 9 a.m. to 5 p.m. Friday 9 a.m. to 6 p.m. Saturday 9 a.m. to noon Debit / ATM Card Annual Fee Elimination We are eliminating our $10 annual fee for an LOC Visa ® Debit/ATM card effective February 5, 2018. If you do not have an LOC Visa® Debit Card, come into a branch, and we may be able to issue you one on the spot. With an LOC Visa® Debit Card/ATM Card, you have access to more than 30,000 fee-free* CO-OP Network ATMs. Read below. Fee-Free* Access to 30,000 CO-OP ATMs You have enjoyed surcharge-free access to more than 30,000 ATMs in the CO-OP Network across the United States. Beginning Feb 5, 2018, we will also waive our $1.50 network fee for withdrawals at these machines. There are more than 1,700 CO-OP Network across Michigan---many of them found inside everyday stops like 7-Eleven and Costco. This also includes ATMs located at Family Service Center locations and many Shared Branch locations. To find a CO-OP Network ATM: Use our locator. This works on your desktop PC, tablet or mobile device Use the LOC Mobile App and the Search CO-OP ATM option. You can use your current location to find one that’s nearby. Out-of-Network ATM Fee If you prefer to use another ATM that is not owned by LOC or part of the CO-OP Network, you will be charged $1.50 per withdrawal. Service Center / Shared Branch Network Fee We believe performing your financial business at an LOC branch provides the best possible service to help keep your finances on track. It’s one of the driving forces for Saturday hours at our Farmington and Howell branches. While you will continue to have access to the Family Service Center and Shared Branch Network, if you prefer to use these locations you will be assessed a flat $5 per visit fee for each account on which you transact financial business. If the ATM Shared Branch you frequent is part of the CO-OP Network, it will be available to use at no charge for withdrawals and deposits. Mobile deposit is also another free and convenient way to deposit checks. Give us a call to verify your eligibility or for questions. If you are using a Shared Branch/Service Center to pay on a loan at another credit union, consider using our free online bill pay service to make that payment from your LOC account. Download Our App App Store Google Play * A $2 inquiry fee applies to all ATMs not owned by LOC Federal.