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Why Members Love Us

We are helping our members get their finances in shape!

I've had a small amount of nagging credit card debt I have always been meaning to consolidate. My co-worker who obtained her car loan from LOC referred me to Jody. In one day, Jody helped me consolidate and get me on the financially fit path!

-Stacee

Quick approval, application was not too involved, and was provided the perfect amount of assistance in understanding the procedure. We were able to drop interest rates from 12% and 14% down to 8%. Colton was valuable throughout the entire process and especially in putting the paperwork through very quickly.

-Judith

Had a mix up on card for ATM. The wonderful Jan helped steer me to the proper manager who was then able to take care of everything and made my card right! I can't thank you enough for your professionalism.

-Richard 

Patrick was able to help with get my online banking up and running smoothly as well as showing me around the mobile app. He was very helpful!

-Abby

Jody was an incredible help to me today. There was an error in my business account and it had to be closed and a new one opened. I was disappointed about this, and Jody did the perfect amount of empathizing, as well as completely made the situation right. She set up my new accounts and made sure the online services were working for me as well. She was an amazing professional and kept me a very happy member. I very much appreciate the what she did for me!

-Kimberly

I recently consolidated credit cards and medical bills into one easy payment! My interest rates went from the high 20's to 8.5%, saving me hundreds!! The process was quick and painless.

-John

Meagan and Crystal went above and beyond to help me with my car loan. It was such a great experience. I have recommended LOC for years and will continue to do so! :)

-Nicole

Julie is a wonderful person. She and you all have helped me through tough times. She always has a smile and helps to figure out my situation. She deserves a big hug! 

-Eleanor

LOC has helped us save on our car loans over the years. The first loan was reduced from 5.3% to 2.5%, the second loan is at 2.24%. Also the balance transfer offer on a new VISA credit card was 0% for six months compared to 12.99% on a $9,000 balance. Donna was very friendly and well versed on her job and made sure we were all set and satisfied.

-Katherine

I came in to get information for a loan and every question I asked was answered and everyone made sure that everything was done quickly and professionally.

-Cory

I walked in with a simple inquiry regarding a personal loan to pay off a credit card debt. Donna made it all so easy. She's pleasant and knows her stuff! I watched my interest rate go from 23% to 7.9% in less than 48 hours! I'm a happy member!

-Delores

I have been a member of LOC for over 30 years. In that time, I can remember the small town local atmosphere of the Farmington Liberty Road branch. When my wife and I moved out to Brighton, I was pleased to hear about the Hartland branch opening. It has been a pleasure working with your loan officer, Barb. She is very professional and compassionate and went above and beyond in helping us on our third loan. It's so nice to have that small town atmosphere again with LOC.

-Greg

I recently had the pleasure of working with Jan and I have to say, she is so cool. She was very pleasant and went to great lengths to help me with my problem. I love you guys!

-Debi

Sean is now at St. Patrick School in 8th grade. He started his LOC account through the Farms Intermediate student-run branch in 5th grade. His new school just started a finance program through a class and he was SO proud to say he already had a savings account with a good amount of money in it. His classmates were very impressed.

-Carla

Thank you Adin, as well as everyone at the Howell branch. They're perfect! My loan was approved fast and was accurately. Thank you LOC!

-Frederick

LOC saved me lots of money and greatly decreased my interest rate from 21% to 9%.

-Nicole

LOC saved me $13,000 in interest by consolidating my three credit cards. LOC was so very helpful, so very professional, and so ready to take the extra time to answer all of my questions so very thoroughly!

-Carol

LOC saved me 10% over 4 years. My original credit card interest rate was 22.75% and LOC was able to give me a rate of 6.4%. Crystal was very friendly and understanding. She was able to get me the loan in just two days. I highly recommend LOC for all of your financial needs.

-Ken

LOC did a great job helping me save money. Barb took the extra step with helping me and coaching me through all of my specific needs. She had an outstanding source of knowledge with every aspect of my banking. She always had the perfect answer, and it was so easy to understand. Thanks to Barb, I will continue to go to LOC Federal Credit Union for all of my banking needs. I will be sure to tell friends and family what a great job all of your team members have done to help me and make me satisfied.

-Raymond

The staff at the Hartland office is the most professional, cordial, friendly, family-like, supportive of most companies I have ever worked with. I have been a member for almost 30 years and they are my favorites. Thank you for each and everyone of them!!!

-Phillip

Very fast process! I was in and our faster than a fast food restaurant! Mr. Strong was very efficient and helpful in meeting my problem deadline. It's an absolute pleasure doing business here.

-Chuck

LOC Federal Credit Union helped my husband and I pay off a credit card with a high interest rate, saving us almost 17% in interest. We appreciate the partnership that we have with LOC!

-Jennifer

First time application. Colton was extremely courteous, fast and helpful. Process was easy and fast. Great experience and I would recommend Colton and LOC to any of my friends.

-A.P.

LOC is always very helpful in helping with our financial needs. We especially like working with Meagan. This is the third time we have worked with her!

-Jennifer

I can't say enough of how Jennifer turned a financial disaster into such an enlightening and calming experience. She instantly put me at ease with no judgment and assured me I had options to resolve my issues. She spent the time to show me all of the tools I had at my disposal while also assuring me at the same time I had no reason to fear of being exposed financially online. This fear has caused my ignorance and was preventing me from becoming financially savvy. I also would like to applaud Kathy's tenacity to encourage me to come in to the branch and discuss the credit line and your representations for assistance. Be assured I will be your biggest verbal advocate in the coming weeks/months because of these two lovely ladies.

-Deborah

Colton and LOC helped me to understand my checking account and how to keep me from having fees. He also was able to get me a loan and cash so that I will be able to purchase a new vehicle. I truly enjoyed the conversation and interaction with Colton.

-Cyril

When I first looked at a truck loan I was exploring the trade-in of a 2015 Silverado for a new 2017 Silverado. After looking at the numbers, I quickly decided that a used truck might save me a good deal of money. I found a 2013 Ford F-150 with 20,000 miles. The application and approval came almost instantly. Thanks, Donna!

-Ray

We recently purchased a used vehicle and Crystal went above and beyond to educate us on the best loan that was available to us. She further went above and beyond when we weren't able to make our loan closing, due to really bad traffic. She personally contacted another branch that was open on the weekend, and got us an appointment to close our loan. Crystal's upbeat personality and can-do attitude were much appreciated during a stressful time. Thanks, Crystal!

-Jana

I went from an interest rate of 17.24% to 0% for six months by switching to LOC. My previous credit union was unwilling to work with me but LOC was. Thank you LOC!

-Dale

I stopped in earlier this month to see about a car loan to help by 16 year old daughter finance a car. Barb was there to help me- and in more ways than just with the car loan. She helped me save money by getting me an increase in my credit limit on my LOC Visa with a much lower interest rate, walked me through some of the improvements to my credit score from last year's score, and set me up with a low-interest loan for $2,500 for the car. Before I closed the $2500 loan, my furnace at home gave out and Barb was able to work with the underwriter's staff to get that $2500 loan increased to $7,000 which was allowed me to have a new furnace installed and still get a vehicle for my daughter! Barb is also currently waiting on my to find a replacement for my 2014 Chevy Cruze that's lease is ending so that I can use the $20,000 auto loan that I've also been approved for. Barb's just been amazingly helpful and fantastic to work with! I would recommend her and LOC to anyone needing financing for everything from furnaces to cars!

-Jon

LOC helped me regain control of my finances and get back on track with my debt! Thanks to LOC for giving my my financial security. A special thanks goes out to Meagan at the Howell branch for walking me through each step and being patient with my schedule! I could not be happier! LOC for life!

-Travis

We didn't see a light at the end of the tunnel. But after talking with Crystal at the Howell branch, she gave us the encouragement we needed! Not only giving us the second best interest rate available at LOC, but shortening the time it would take us to pay off our debt by over 20 years!!! We will be saving $14,500 in interest and will be out of debt in 5 years!!! LOC really does mean "Getting Financially Fit Together". We will be going back to LOC and working with Crystal when it's time to buy our next car in another year! 

-Debra

LOC saved me a lot and working with Crystal at the Howell branch was fantastic! I will continue to use LOC for all of my financial needs.

-Dave

LOC helped me by getting me a loan to pay off my high interest credit card. They helped me cut 30+ years of payments into 5 years with a great interest rate! Colton was very quick, efficient and friendly and got me squared away in no time! I would recommend Colton to any of my family and friends! Thank you LOC!

-Robert

Great service and communications with Jody at LOC. She helped save me $3,753 in interest!!! This is one of the many reasons I do business with LOC!

-Joseph

LOC was able to help me save 7% in interest on my car loan. I also was able to get a shorter term. Thank you LOC!

-Kyle

LOC helped lower my interest rate from 22.9% to 5.90%. I have had no trouble getting a loan from LOC for each of the four or five times I've needed one. I have so much to thank LOC for their help over the 25+ years of being a member. Thank you LOC!

-Virginia

Let me start by saying that since I have joined soon after my divorce five years ago, LOC has been nothing but helpful! My first experience was with Debbie, who helped me get a personal loan to buy a used car. This helped to build my credit. Rachel and Julie have also been very helpful. I am now discovering how I can consolidate my loans at a lower interest rate with their help. Thank you LOC!

-Rebecca

Brittany was very helpful in completing my transaction. She performed her tasks precisely, and has a positive attitude and a warm smile!

-Scott

I just completed my two year tenure as the treasurer for Lakes Elementary PTO. Jody helped me get the names on the account updated when we elected the new board and made the transition seamless. Over the two years as treasurer, she was available for any questions we had along the way. We often make large deposits and Jody and the staff at the Hartland branch were always friendly and efficient with the transactions. Jody also helped me get accounts set up for my three children, which I had been meaning to do for a very long time. Thank you for the great service!

-Jennifer

This summer my car broke down out of state and I needed to get it fixed using my credit card with an interest rate of 13.9%. LOC gave me a personal loan at 5.9% and is going to save me $3,000 in interest. They were amazing!

-Marcy

Jodi and LOC helped me save interest on my loan. It was a very engaging process and I'm so glad I became a member! It was both a very efficient and very educational experience.

-Catherine

My father had recently passed away and I needed to refinance his truck under my name. It was a long stressful process obtaining the paperwork, but Crystal stepped in and handled my loan account in a very timely, efficient and pleasant manner. She was wonderful and I am very grateful!

-Sharon

Thanks to LOC, I was able to bring my payment down from $176 a month to $141 a month and my interest rate was cut in half!

-Bailey

Barb Clow is the best!! Barb has now taken care of us on three car loans, all three seemed to go from application to closing effortlessly. Most recent, we saved almost $150.00 per month by refinancing. Barb is always on top of things and we were kept informed every step of the way in the loan process. Thank you Barb!

-Scott

Come home to LOC Federal Credit Union where they treat you like family. Whether it's checking, savings, or loans, I receive personal advice tailored to my specific needs. Colton, Barb and Jody were all able to customize a loan that was right for me.

-Chris

LOC saved me close to $1,000 in interest on my camper loan. The process was quick & Barb Clow at the Hartland branch was awesome! Barb is an asset to LOC as she is a wealth of information about LOC products and services and always puts customer service as her top priority! Way to go LOC and way to go Barb!

-Jean

Barb at the Hartland branch has been exceptional through the transfer process from my original credit union to LOC. She helped me set up all of my accounts, procured a car loan and surprised me with a VISA 0% interest for 6 months. Barb is knowledgeable, efficient and always available to answer all my questions.

- Carrie

Barb at the Hartland branch was amazing! I applied for a VISA to pay off other high interest credit cards and not only did she get me a great interest rate she was able to also get my RV camper refinanced saving me thousands of dollars in interest and lowering my monthly payment to cut down three years off my loan. LOC has tremendously helped me improve my credit and lower my monthly bills. Thanks so much Barb!

- Michelle

I came into the Howell branch to apply for an auto loan and was amazed at how fast and smooth the application process went. I especially appreciated Meagan for going the extra mile to make this happen. Her knowledge and professionalism was five stars and I was delighted to have such great customer service at LOC. I have and will continue to do all my banking here.

- Eileen

LOC has been wonderful by saving us over $900 a month by reducing our interest rate and closing 11 credit cards. Now we will be able to pay other bills that we had trouble on.

- Kevin

Donna at the Farmington branch was able to pay off our Chase card at 21.99% interest.

- Linda

Laura at the Howell branch helped me set up mobile banking on my phone. I don't have internet at home so I have been driving 25 minutes, going to the library or calling just to check my balance. This mobile app is great and is saving me time and fuel!

- Renee

Meagan at the Howell branch did an excellent job at expediting my loan process and was able to save me 3% over all other lenders!

- Jason

LOC was able to save me money by consolidating my credit cards that saved me 16% interest and a total savings of $1,383!

- Robert

Crystal at the Howell branch was friendly and quick to respond to all of our needs through the loan process. With a debt consolidation loan, we are saving over 16% on interest rates from credit card debt and $400 a month on credit card payments. We are also getting away from revolving loan debt and working toward raising our credit scores back to a more favorable status. We are so happy we have LOC for support!

- Stacey

While cashing a check from my son at the Hartland Branch, Laura noticed that it had insufficient funds and ended up holding the check for a few days. Her alertness saved my son $30.

- Gilbert

Adin at the Howell branch helped me and my daughter reduce our accumulated debt on loans and credit cards. She reduced what I was paying by about 50% and my interest rate by 15%. Thank you Adin and LOC!

- Tom

I was involved with a bill paying dilemma with my insurance company and when I came to LOC for help, Rachel at the Howell branch welcomed me with compassion and support. She listened to me carefully and we called the company together and because of her assistance, the issue was settled. She represented LOC with such strength and knowledge that I felt calm in the midst of a storm. Thank you LOC for having such a wonderful employee that gives that extra effort to serve your members.

- Gail

My experience with Crystal at the Howell branch was fantastic. She was very professional, informative and efficient. My needs were addressed and I am saving $200 per month by refinancing my truck. Over the course of the loan, LOC will be saving me over $9,000. I will be a member for life.

- Jeremy

When applying for an auto loan, Donna at the Farmington branch helped identify the loan length that would work best. She assisted with the insurance agent and was very efficient and engaging during the preliminary and completion of the application. The loan process was a very positive experience.

- Kathy

LOC saved me several years of minimum payments and over $80 per month in finance charges. Jody at the Hartland branch addressed my needs and found the specific and most efficient personal loan for me. She efficiently explained the finance savings and the no penalty or early payoff for loans.

- Benjamin

LOC helped me consolidate a credit card with a loan allowing me to be debt free within 3-4 years. Jen at the Farmington branch was wonderful in helping me achieve my financial goal.

- Sarah

I have been a member since I was a teenager and have stayed with LOC for all of my banking needs even while living out of state. Staci at the Farmington branch has tremendously helped me with opening up my 15 year old sons first account with LOC. Opening this account out of state presented some complications. However, Staci was able to help me out with excellent customer service over the phone and by mail.

- Chris

LOC was outstanding and efficient at addressing my needs. Cindy at the Farmington branch was very helpful in helping me get my loan. Cindy was #1 in explaining everything and she should be considered a very valuable asset to LOC.

- Michael

In particular, we would like to thank Susan, Laura and Cindy at the Farmington branch for exceptional customer service in processing our RV loan. The process was fast, friendly and flawless. We will highly recommend LOC to everyone.

- Dave and Marilyn

We have had an account here for more years than I can count. In every case, I have been treated professionally, courteously and with a genuine sense of care. Well done LOC!

- James

I love banking at LOC! It's great to have a bank you can count on. Online banking, overdraft protection, a great loan department and the friendliest tellers are all what keeps me here. I love walking in and hearing my name called. I especially love being able to deposit a check just by taking a photo from my phone with LOC's mobile banking app. I have been with LOC for 14 years and I will probably be with LOC the rest of my life... happily!

- Ron

I have been a member since the 1960's and have had many wonderful experiences with LOC. From loans to investments, the staff have always supported my needs over the years. The lack of fees and low interest rates has saved me a lot of money.

- Gerald

I had an account with Chase and used my line of credit for everything. Chase told me they were closing all of my overdraft lines that I greatly depended on. So I created a sign to sell my "wife" which is my yacht that I use as a summer home, until I decided to move everything from Chase to LOC. I am now ready to break up with my long term bank girlfriend and won't have to sell my yacht.

- Jerry

By consolidating my credit cards I was able to save about $150 a month. I am now able to pay off my medical bills, and it was so easy! All my questions were answered quickly and efficiently because there was great communication with Meagan from Howell. I will definitely recommend all my friends and family to LOC.

- Nicole

LOC helped with an anytime loan that is saving me 11.1% on credit card debt.

- Nic

I am now saving $243.91 per month on my auto loan thanks to Crystal from Howell. She maintained fantastic customer service by being friendly and informative. Thank you!

- Caroline

I have been an LOC member for over 30 years and have used most of the services offered. My four children are also members and agree that the services and care we receive by the staff are the best. LOC treats us like family. It is a great feeling to walk into the credit union and have employees greet me by name. I don't know why anyone would bank anywhere else.

- Kevin

I wanted to say thank you to Rachel at Howell for referring me to Members Home and Auto. I was very pleased when I spoke with the insurance agent and I am now saving over $200 a year.

- Barbara

Thanks to Crystal at Howell for saving us over 10% in interest with a signature loan from LOC. We were able to pay it off 3 years earlier for a total savings of $1,300. She also helped refinance our motorcycle saving us over 5% in interest and lowering our payment by $300 for a total savings of $1,320.

- Cheryl

Money was getting tight and I wasn't sure how to handle my bills, but Donna at Farmington came to my rescue and helped me with a solution to make the situation easy for me. LOC has always kept me in good financial shape since I've been with them. Thank you LOC!

- Diane

I called LOC wanting to apply for an auto loan. Jennifer at the Farmington branch worked extremely fast to process my loan the same day in order to qualify for dealer rebates. Without Jen's assistance and hard work, we would not have had the loan in time to purchase a vehicle. Her knowledge and determination helped speed the process along. Thank you!

- Valerie

As a member of LOC since 2004, I have always preferred to come inside for my transactions so I can see the friendly and knowledgeable staff. When I came into apply for a personal loan, Donna at the Farmington Branch made my experience quick and painless.

- Candice

I have been a member since 1966 and call the Farmington branch home. The employees are extremely knowledgeable in caring for member needs, and LOC has continuously exceeded my expectations in banking

- Murray

Thank you to Adin from the Hartland branch for making my experience so easy. Adin walked me through the process I needed to go through for some upcoming home improvements. I love LOC and the community feel. From now on, it's the only place I'll go for banking.

- Heather

Thank you to Cindy at the Farmington branch for being so great to me. She helped me save a lot of money and reduced my stress from all of my bills. Great job Cindy and LOC. Thanks a million.

- Felicidad

Crystal from Howell helped me with my auto loan fast and with no problems. LOC is saving me $80 a month and $3,000 in interest. Crystal is full of energy and I'll be sending people her way forever!

- Pete

I had an awesome experience at LOC. By refinancing my RV camper I saved approximately $200 a month. I recommend LOC Federal Credit Union to my friends, family and co-workers.

- Timothy

I recently refinanced my auto and personal loans at LOC and obtained a loan.  On all three, LOC helped me save money. I am happy that everything went well and that all my loans are conveniently at one institution.

- Aderian

Barb at Hartland was so helpful, knowledgeable and wonderful to work with. She was able to save me money by offering solutions. I was very impressed and happy with LOC and Barb!

- Nancy

Cindy from the Farmington branch was very willing to help me obtain a loan to get into my house. She was kind, caring and did a great job. I won't go to anyone else for my banking needs.

- Ken

From the service, great rates and friendly employees, I have been a happy LOC member since 1979.

- Paul

Jennifer at the Farmington branch made the lending process extremely easy and care free. Her attentiveness to the situation from phone calls to follow up, made me feel like I was her only client. Thank you!

- Gerald

I have been a happy LOC member since 1978. LOC has continuously worked to lower my interest rate on all my auto loans and home mortgages.

- Diane

Crystal at Howell is the best! I refer my clients over to Crystal every time the opportunity arises. She is always available, extremely helpful and knowledgeable. I would highly recommend doing business with Crystal and LOC.

- Chris

I am so glad that I became an LOC memberStaci from Farmington was the most helpful in getting me started. It is always a pleasure talking with Staci and she's there for me for everything.

- Timothy

As newlyweds, my husband and I wanted to get rid of some high interest debt and consolidate it into payments we could manage and eventually eliminate. The LOC team was wonderful to work with and took as much time as we needed to go over all the options available to us. They have helped to relieve some major stress in our lives. We are excited about becoming financially fit and looking forward to the day when we are able to say, "We are debt free!" Thanks LOC.

- Kim

When I met Karen W. at the Farmington branch, I met an angel. She is so polite, kind, understanding and extremely patient. All of my experiences with her were a joy because she was so efficient. I also met Cindy S. but I felt like I met her ten years ago. She has a very special personality and she was also very patient, fast and efficient. I thoroughly enjoyed my experience. Both Karen and Cindy are a real asset to LOC and to me!

- Beverly

I wanted to write this to make everyone aware of the excellent customer service provided by Staci at the Farmington branch. She is very friendly and made me feel welcome and comfortable. She explained my financial matters to me efficiently, helping me arrive at a solution that fit my needs. She helped me apply for a loan and answered all my questions. I had a great overall experience with Staci and she is an outstanding representative for LOC Federal Credit Union.

- Russ

LOC has given me a trusting and helpful experience. I am so glad that I switched credit unions. Meagan Sanchez from the Howell branch has been the most helpful and knowledgeable person to work with. Thank you LOC!

- David

I have been an LOC member for so many years and they have always been there for me! Most recently, Meagan Sanchez from the Howell branch saved us $700 per month by financing an auto loan and a personal loan to bring my payment down

- Lynne

LOC's Teen Financial Reality Fair taught us a lot to use in our future. We learned about money and how to use it well by spending on needs and not just spending on wants. Overall, this was a very helpful and fun experience.

- Brianna and Alyssa

I thought this was the most well run financial event of its kind that I have ever seen. I am so grateful to see financial institutions like yourselves taking up the gap of what I believe is lacking in educating our children on these invaluable life skills. I would strongly encourage you to continue building up the lessons taught in LOC's Teen Financial Reality Fair that was held on December 22, 2015. I absolutely loved my time volunteering for your event! Thank you.

- Lawrence

I have been an LOC member since it was on Liberty Street. My family has used LOC for savings, checking, Christmas club accountshome equity loansauto loans, investments and the Quackers club. The LOC family is friendly and gives service with a smile.

- Edward

Donna R at the Farmington branch deserves a testimonial. Whenever I come into the credit union, she always explains beneficial information about products and services that pertain to me. Hands up for Donna, she's the best.

- Carolyn

I have been a member of LOC for 37 years and not once have I thought of changing to another institution. From the friendly and efficient handling of everyday finances to the ease of obtaining a auto loan and home equity loan, LOC has always taken good for me.

- Shirley

I have been a member at LOC for 20 years. The services I have obtained for auto loans, mortgages, home equity, personal loans, VISA check card and VISA credit card have always been exceptional

- Charles

 LOC Federal Credit Union did an outstanding job of demonstrating fast superior customer service and a strong first impression experience in sharing possible solutions to my immediate financial needs. LOC backed up that first impression by doing solid fact finding and understanding of what my financial needs were, and what could be done based on the information I provided them. In less than 2 hours was an approval and funding of a loan for emergency home improvements, with rates and terms that beat my current financial institution! LOC took the time to listen to my challenges and clearly shared what they could do for me and then immediately delivered on it. I am looking forward to establishing a relationship with LOC by bringing them my personal banking as well as my small business banking needs, which will work out great with them being located in the community and only minutes from my home and my small business. As a current leader for more than 17 years at AT&T and currently operating 3 small businesses of my own, I am very sensitive to what great customer service should look like; Christine Biers at the Howell branch & LOC Federal Credit Union surpassed my expectations!

- John

Our family have been members of LOC since 1970. Trips to LOC have always been a pleasure dealing with smiling faces, prompt service and great rates. Our family will continue to be members forever. Thank you LOC for all your hard work for its members.

- Greg

We were trying to do a debt consolidation to lower our monthly payments. After an extensive conversation, a better solution was determined that saved us $400 per month, which is huge savings for us. We could not be more satisfied with the kindness and expertise of Debbie and Christine at the Howell office. The whole process was quick and painless. They will always have a loyal customer with us! Thank you again for taking a chance on us, you will never know how positively you have impacted us and the impression you have made.

- Jim and Audra

I worked with LOC to refinance my home. With some work and a lot of effort, my new loan is saving us over $800 a month! When we weren’t sure what direction would work best for us, team LOC gave us options that we had never considered. If you want quality customer service and to save money, I recommend working with Crystal Wietecha from Howell and her Team at LOC! Thanks for all your help!

- David

I needed to get some repairs done to my 2007 VW bug that would cost approximately $1,800. Luckily, I drove down to the LOC branch in Farmington to inquire an auto repair loan. I met with a member advisor, Staci and within 24 hours I was provided the needed funds for my auto repair. She also recommended I consider a debt consolidation loan in order to get a better interest rate and a much lower payment per month than the total of the debts I have been paying on. Within a few days my debt consolidation loan was processed and approved. My wife and I are very impressed by the "can do" attitude, the prompt service and the genuine "can I help you" attitude presented by Staci. I cannot thank you enough for the attention to detail and pleasing demeanor presented when I decided to come in. I look forward to utilizing LOC for other banking services in the future. Thank you so much.

- Philip

Everyone at LOC was very helpful and friendly setting me up with my new accounts and refinancing my auto loan. They suggested the best options to help me save the most money.

- Jon

We were able to reduce our interest rate from 4.50% to 3.99% and from 20 years to 15 on our RV loan. This resulted in a savings of nearly $45,000 if we made the minimum monthly payment. The loan process was simple and mostly done online. Thanks LOC!

- Julie

LOC helped me with refinancing my auto and three personal loans. My monthly payments went from $668 to $325, helping my budget greatly. At the Farmington branch, Kathy R and Ashley B were very caring and helpful through the whole process. All LOC employees are always really helpful and kind. LOC Federal Credit Union is gold

- Robert

LOC saved me a lot of money in the long run by allowing me to consolidate my high interest credit cards into a personal loan with a much lower rate. Saved me over $350 a month in payments and thousands of dollars in interest.

- Ethan

LOC has been very supportive through my 25+ years with them, most recently with the recommendation from Suzanne about car insurance which is now saving me close to $1,000 per year.

- Susan

I truly appreciate LOC! I recently refinanced my vehicle loan and saved $100 a month. Low rates and great personal service are few of the many perks of being an LOC member.

- Melissa

We were thrilled to work with a local credit union like LOC. We had excellent refinancing experience and saved over $300 a month.

- Jackie

LOC's staff is personable, knowledgeable and most importantly has helped me save over $400 a month by refinancing to a low interest rate loan.

- Patrick

I have been an LOC member for over 20 years and could not be more satisfied. LOC has saved me so much money over the years. I would not change from LOC for anything!

- Craig

I have a savings account, personal and auto loan account at LOC. During the account opening process in Farmington, I coordinated with Staci. She has been very, very helpful in terms of quick response, giving a clear picture and making me understand the process and documentation. I’m very comfortable with communicating and dealing with her. I would definitely refer family and friends to contact her and LOC for their needs. I thank her for all the help when I needed it.

- Prabhuswamy

I had a business account at another bank and Suzanne from Farmington mentioned I have two accounts here and should switch my third. I made the switch and continue to enjoy the great service! I enjoy people knowing my name and not putting me through ridiculous inquiries to get access to my accounts. I now have three accounts here and I've truly had a great experience here at Farmington LOC!

- David

My wife worked for Farmington Public Schools. She was also a member of LOC. When she passed away the staff at LOC took away any anxiety I experienced concerning LOC account closings. That was not my only support from LOC. Erik Gotaas of LOC Financial Services was a tremendous help in closing other accounts that were not part of LOC. Erik’s professional assistance was so helpful it saved me many, many hours of dealing with “red tape” and I am forever grateful.

-Daniel

Without a doubt LOC Federal Credit Union is the easiest and most helpful financial institution I have ever worked with. They come alongside you when there are questions and offer direction and solutions. Every employee seems friendly and competent, a rare treat! Thank you!

- Janet

I have been a loyal member at LOC Credit Union for over 35 years. LOC has been a friendly and enthusiastic place for me to go to for advice and a place I feel safe dealing with. I feel like family because the tellers greet me with a smile and say my name. They never rush me and truly make me feel I’m important to them. If I ask a question regarding my business, they take care of it and if needed, take me to the person in charge of my question. I could never have the relationship going to any other credit union. I am very satisfied at LOC.

- Agnes

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