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Why Members Love Us

We are helping our members get their finances in shape!

We have been with LOC Federal for over 20 years and have always had great service. This visit and transaction was made with exceptional care and helpfulness! Davonna was truly very professional and made this a great experience for us and we truly appreciate it! 

-Cindy

My dealings with LOC have been great! Davonna, Dru and Donna were kind, understanding, patient and helpful to me as well as each other. It's great to know business co-workers still work extremely well with each other, which is a reflection of the management and policies of LOC. I will recommend LOC Federal's services to all. Thanks LOC! 

-Kevin

We would highly recommend LOC Federal Credit Union to others who are looking for a good credit union to do their banking. Barb provided us with the necessary information to make a sound decision regarding debt consolidation. Her explanations took care of all of our concerns. We very much appreciate the efficient assistance we received. Thank you! 

-Michele

I have gotten approved quickly for a personal loan, thanks to Colton! This is now the second time he has helped me out. He's a very friendly and helpful person! Thanks Colton!

-Mike

Donna was very helpful! I asked for a personal loan and was processed in less than 1 hour. I found her very helpful and friendly!

-Tom

Donna recently helped me close on a car loan and boat loan. She helped save me about $275 a month! I was in and out in about an hour. I also opened a VISA Credit Card. Great service from a great person. Thanks Donna and thanks LOC!

-Greg

Davonna was absolutely amazing! She helped me through my whole loan process, which took less than 8 hours to get cash in my hand. She went above and beyond in my eyes. She was very personable and I will come to her for all future loans. I couldn't be any more satisfied! Thank you!

-Sarah 

Working with LOC has always been easy but working with Davonna has been a real pleasure. She is upbeat, very knowledgeable and extremely thorough and helpful.

-Tom

Cory has been telling me for over a year to "get my life together" financially. He's been very vocal about how easy it would be to consolidate all of my debt and how much lower my rate would be. I'm a single mom and have been stressed about all of my debt for quite some time. I finally listened to him and I'm so grateful! Cory and Ashley walked me through the whole process. I feel a huge sense of relief and I'm so grateful for the both of them. 

-Alicia

Ashley has been more than helpful throughout this whole process. Her customer service skills are the best I've seen. I'm grateful to be and have been granted this loan. A great deal of stress related to interest rates has been lifted. I'm also saving at least $200 a month. Here's to being debt free in the near future. Thank you Ashley and LOC! 

-Mira

LOC was very helpful saving me thousands of dollars in interest from other credit cards. Ashley was very engaging, educated and provided all information needed. Answered all of my questions and very knowledgeable. 

-Anca

I have banked here for many years and I know many of the older employees here. I want to thank every one of you for helping me cut my debt down to get me closer to financial freedom. I want to thank Davonna for her amazing skills and great eye to know that I could get this loan! I thank the lord for working through all of you to help me. Thank you all for blessing me! 

-Gina

Crystal really understood my problem maxing my credit cards to help my dog get his surgeries and digging myself into a hole. She was awesome! I love LOC! Best banking or credit union ever! Saved over $6,800 in interest and cut term by 7 years! 

-Richard

When I sat down with Crystal, I had no idea how happy I was going to be borrowing $18,000. She was awesome! We went through different options that were available, she answered all of the questions I had, and by our meeting, I was able to buy a (new) used motorcycle that day from a private owner, saving me $8,000 over a new one! I appreciate the professional care I got from Crystal through the LOC branch in Howell. 

-William

Lisa helped explain that our account may have been fraudulently used, therefore it was noted and blocked. A very good explanation of a confusing issue. I'm very satisfied with the outcome! 

-Greg

LOC helped me consolidate my loans. Jody was very helpful and explained everything well. My member advisor was very helpful. I had a great experience here! 

-Gina

Jody was extremely helpful while I was applying to get my first auto loan. She responded very quickly and guided me through all of the necessary steps. She was patient and answered any questions that I had. She made the process less stressful. I have been a member for several years now and have always received very friendly, efficient service. LOC has given me the opportunity to develop good financial habits and helped me build my credit.

-Lindsey

I just wanted to take a moment to thank you for going above and beyond to help my family and I during some recent loan activity. Jenn is always pleasant to work with and knowledgeable to recommend the best options. I also appreciate that she always makes time even when I know she is busy; whether I have an appointment or not. Jenn makes me feel welcomed as a member! Thank you! 

-Kim

I was able to acquire my loan quickly. Jody was well informed and answered all of my questions. This is the second auto loan I've had from LOC. Great customer service!

-Sherry

I can't say enough about how helpful Jenn and LOC have been by helping us refinance our RV. They made the experience simple and helped us step by step. They also made our visit to this year's RV show worth it. With their help we were able to cut our monthly payments in half! 

-Don

The fraud department is awesome! They called me on Saturday to alert me of potential fraudulent activity. They stopped the purchases from going through and saved us more than $500! Great job! 

-Scott

Jody was amazing! This was a very fast and simple process. The money I saved on interest was huge! I would refer LOC to anyone.

-Bradley

Crystal, the rock star member advisor, managed to save me over $7200 in the next 12 years. I was very impressed with the professionalism and great sense of humor from Crystal while having my loan serviced. The coffee was a nice touch in the waiting room area as well!

-James

My car broke down on Monday. Crystal put my application for a loan in first thing and got me pre-approved immediately. No hassle and very easy. I was able to find a car the same day. Because of Crystal, I saved on car rental fees and I received a great rate. I am closing on my loan today-it's Tuesday! I will continue to call Crystal for all of my banking needs.

-Kimberly

Jody has helped myself and 3 of my friends become financially fit and confident! I am so thankful! I will keep the referrals coming. Such a great experience!

-Kortenay

Got my loan fast and approved quickly to get my finances under control!

-Jennifer

Jody did an excellent job by sitting with me immediately and helped me get the loan. She was more than helpful and we had great conversation!

-Georgia

Barb provided me with lots of information and options. She enabled me to reach my financial goals today and in the future.

-Carol

Crystal was very kind and made the loan process effortless. She worked around my tough schedule and really made this happen for me. I am so grateful for all she did!

-Casey

Donna was extremely helpful in helping resolve issues with my refinance of a lease. Donna is always friendly and helpful, as I also have two other vehicles financed through LOC. I highly recommend LOC Federal Credit Union in general and Donna in particular.

-Glenn

Jody saved me $176 a month and cut my interest down by 2/3. She walked me through the entire process and kept me very well educated while refinancing my auto loan. Jody was extremely efficient!

-Sarah

Today was the third time I have had a chance to do business with LOC. I had the fortunate opportunity to work with Crystal on all of the transactions. The first time was by luck, the last two were by request. I work in sales so I really appreciate when someone is hard working, energetic, and pragmatic. There aren’t many people who have a drive to keep the customer happy and understand what a customer needs. Crystal is one of the people who fall into this class. Today I was on a very tight schedule and Crystal thought of everything she could to make the closing go as fast as possible. I was impressed again. In fact, the guy with me said he isn’t from the area but he plans on doing his next loan with LOC as how impressed he was with how Crystal and everyone was to him. For me the important thing is getting things done in a timely manner and doing it correctly. This is why I always know I can contact Crystal and get difficult tasks accomplished quickly and accurately. Thanks Again for all the help….I know I can be a challenging client!

-Barry

Crystal was referred to me from my loan officer who would not touch my loan. She was helpful, great at communication, and very friendly. She scheduled my closing to be closer to my work which was great. She was able to get my interest rate down from 17.9% to 8% and will save me over $5,000!! Jennifer was kind and thorough as well.

-Colby

Crystal is a rock star. She was extremely helpful when we wanted to secure a loan at LOC. She makes the process very simple and efficient. She also explains all of the procedures for interacting with LOC easy to understand. Her fun and bubbly personality is a breath of fresh air. Her performance is exceptional!

-Marisia

I saved approximately $180 per month. Colton was engaged, efficient, and very helpful in giving me a solution with the refinance on my truck and boat. 

-Harvey

Jennifer helped us with a personal loan to consolidate a couple of high balance credit cards that would have us buried in interest payments making zero headway. With her help, we were able to roll it all into one affordable payment. Dealing with creditors isn't always easy, but Jennifer was there to help guide us through the process. She is a true asset to LOC. She knows the process inside and out! 

-John

This is my third auto loan from LOC and I have been pleased with my experience every time. My member advisor, Jennifer, was friendly, accommodating and well organized. The entire process was simple and streamlined, making the application and closing visits efficient. I have yet to find a lower loan rate anywhere else, so LOC will continue to be my preferred banking location for future needs. 

-Joshua

LOC has been a great experience for our loan needs. It's quick and easy and provides an amazing rate. Davonna did a great job and helped us to get ourselves financially fit! 

-Patricia

Jennifer was wonderful! She saved me quite a bit of money and stress by approving a loan to lower interest payments on a credit card. She was professional, kind and efficient. I'd recommend her to anyone! Thank you LOC!

-Kristine

We were in quite a situation. My wife's car broke down and we were unable to get good financial rates with the dealership. LOC got us a rate of less than 3%. We were happy and even decided to refinance our other car through LOC. LOC reduced our total car payments by $220 a month. Jennifer was super helpful and a pleasure to work with. I would recommend her to anyone! 

-Nicholas

Member advisor, Crystal, was very helpful and I appreciate her knowledge and professional help in taking care of my issues and service needs. Thank you Crystal, you are the best! 

-Raymond

Jody helped me open an account and explained how it all works with a debit card. She also explained to me how to reestablish credit so I can start over.

-Douglas

Thank you Crystal and LOC! I love working with my credit union and saving money. I consolidated higher interest credit cards to one easy convenient loan with LOC. Over the next 4 years, I will save $3,000 in interest cost. Crystal was great to work with; she made the whole process simple and easy to get done. With her help the loan was completed in days, not weeks, as I have experienced with other banking institutions. I highly recommend Crystal and LOC for all of your loan needs.

-Deanna

Crystal helped very much. She was very knowledgeable and helpful, efficient and patient, friendly and professional, and she explained everything slowly. I had a very good experience working with Crystal, a real pro!

-Raymond

I refinanced my new boat through LOC. Christine and Adin gave outstanding member service! I couldn't believe how easy they made the whole process. They were professional, knowledgeable and a pleasure to work with. I highly recommend anyone looking for a loan to contact LOC first. We kept the current term of the loan and I was still able to cut my monthly payment by $185 and I saved over $32,000 in interest. I am truly thankful that Christine and Adin are passionate about helping their members become financially fit!

-Brian

Drunetta assisted me with my vehicle loan. I was very pleased with her professionalism and great help. She was terrific! I will certainly refer others to LOC Federal Credit Union and tell them to make sure to ask for Drunetta. 

-Paul

I am so thankful to Barb for assisting me on getting this auto loan. She answered every question I had with full detail in regard to proper documentation, timelines, and expectations. When I started looking for a vehicle, I couldn't find one I needed right away. She checked on the status of my findings and wanted to make sure I was taken care of. After I found the vehicle I wanted to purchase, the process was going to take a lot longer than expected. I was having trouble retrieving the title from another credit union, however, Barb worked her magic and I was able to start driving the vehicle sooner than expected. She made the transaction feel more personalized and an easygoing process. I cannot thank her enough for her efforts, kindness, patience, and outstanding customer service. 

-Austin 

I came in on a Saturday to get information on a loan. Barb was working and answered my questions. I was amazed at how quickly I was approved and walked out with the money I needed. Barb went above and beyond to help me. She provided excellent service and made me feel like an important member of LOC.

-Mike

I'm saving almost $300 a month thanks to the friendly and fast service from Crystal! She is great!

-Erin

LOC was able to help us refinance higher interest rate loans in order to save about $350 a month. They have helped us when nobody else would! We now do all of our banking with LOC! 

-Bill

Jody was very attentive and answered all of my questions in detail. I first came to LOC when I financed my 2008 F-350, they had the lowest rate around. I have since returned to refinance my 2008 Silverado, saving me 8% on my loan and $80 a month.

-Corey

I initially went to LOC to inquire on a snowmobile loan. Donna helped and suggested to refinance my truck loan. I was able to shave an entire year off of my truck loan that was financed through another credit union. She estimated I would save about $1,800 over the other loan. I was glad to save money and still get my snowmobile. Very happy and satisfied customer!

-Phil

Donna went above and beyond with her knowledge, guidance and personal care. I've been involved with countless transactions with mortgage and home equity loans. Donna's experience easily and quickly helped me close my home equity loan, not just smoothly, but as fast as I've seen. I've been a member for over 25 years. Donna's a true pro and LOC has a vast array of services like no one else!

-Todd

When I wanted to buy out the lease on my Harley Davidson motorcycle, I contacted Crystal and she made it happen. When I wanted to buy my second Harley, again, she made it happen. Then I wanted to buy a car at a great savings, she made it happen by approving me for these loans. LOC Federal Credit Union and Crystal are awesome and I highly recommend them to everyone I know that is looking to make a major purchase. 

-Edward

Crystal helped me find a solution where I'm saving $200 a month by paying off my loans. In addition to saving me money monthly, she was able to get me a cushion for unexpected expenses. Crystal went above and beyond to find a solution that suited my needs. 

-David

Drunetta helped me in every way possible to understand the loan interest cost over the life of a loan. She was very positive, helpful, confident and calm. Everything was processed quickly and efficiently!

-Gail

Crystal at the Howell Branch got me approved and closed on my motorhome loan in the same day, remarkable! She was very professional, but yet easy to talk to, very efficient and informative. A great experience! 

-Melissa 

My hot water heater died and the cost of a new one was more than I had and I was without a credit card. Rachelle helped me apply for a personal loan and a credit card. She was very encouraging and helpful; which has always been the case when I needed their help. 

-Bonnie

I've been a member of LOC Federal Credit Union for several years. My interactions with Karen have been nothing short of amazing. Her level of customer service is exceptional. She always goes above and beyond the call of duty. Karen is highly knowledgeable in all facets of the credit union. She is always willing and able to answer any questions and/or solve any issues presented to her. She always has a pleasant demeanor and upbeat attitude. Working with Karen from a customer standpoint always assures me that I made the right decision in becoming a member of LOC Federal Credit Union. 

-Erica 

I have been a member for over 17 years. In this time, I have had multiple loans and thousands of contacts with the staff. Each team member has always given me their 100% dedication and made my banking experience enjoyable. Thank you for the awesome service! 

-Domenic 

Rachel was wonderful and helped us to readjust our loan. The Howell branch has always been helpful and very informative. We have been members for many years and have never had any problems. 

-Mary

In the last five years, LOC Federal has helped us with two RV loans and a vehicle loan. There is no better credit union for RV loans. The process was quick and easy, and Jennifer was very helpful. Thank you LOC! 

-Larry

LOC is amazing! They helped us consolidate our debt and got us on the right financial path. Donna was wonderful, very high level and on the ball. LOC saved us over $20,000 in interest and $900 a month. 

-Sara

Being assisted by Ashley is a great experience for LOC members. She has assisted and worked with me for the past three years with my first loan. In the past, I have been late with payments and was given time and opportunities to make up for them. I started with a very poor credit score, but thanks to Ashley, I have been able to improve it over the years. To this day, Ashley has made my loan processing easier than before, also giving me more opportunities to improve my credit. Thank you for giving me a chance to improve!

-Vincent 

LOC has saved me over 20% on my loans. My preferred loan officer, Crystal, was amazing! I would highly recommend her to anyone. The loan process was very fast.

-Bryan

LOC helped me save $10,000 off my loans and saved me an extra $100 off my monthly payments. I feel so relieved. Thank you LOC!

-Amanda

Jennifer has been an excellent help to us. She is very knowledgeable of managing her job and she does her best to assist with any needs. I love working with her because I personally trust her in managing all my finances. Thanks Jennifer! 

-Suad

LOC was able to work with my husband and myself to find the best loan for our situation. Crystal was great to work with and helped us find the best option for us. LOC was very efficient and fast, and saved us 10.25%, more than $5,900 and 16 years over paying minimum payments with another financial institution!

-Ashlyn

I've been living below the poverty level for several years, working retail. I came to LOC when I signed up for social security to see about a car loan. I was approved almost immediately. Life is turning around and I appreciate Jody's help and recommendations for handling my money. I will be staying with LOC!

-Mary 

Over the years LOC has helped us with several auto loans, personal loans and credit cards. We have received prompt and professional attention from both Jody and Adin and are very satisfied with them in addition to saving money due to low interest rates. We just completed another auto loan and look forward to working with LOC and its great employees for many years to come! 

-Alisa

We were very pleased with LOC! This was the first time we have had the pleasure of doing business with LOC. Crystal was the best loan officer we have ever done business with! She answered all of my questions quickly and we found her to be extremely knowledgeable. If needed, we will do business with Crystal and LOC again. Thank you! 

-Barbara

We applied for a personal loan to consolidate and lower the payments on two installment loans we have. The new loan is saving us $304 per month and will lower our overall interest costs. Jody did a great job. She called and answered all of my questions and let me know the status of the loan every day. Thank you Jody and LOC! 

-Michael

My refinance experience with LOC, and Patrick in particular, was pleasant, convenient, and friendly. And given that this is my third loan refinance with LOC, I've saved a considerable amount of money. I highly recommend LOC!

-Warren

Donna was fantastic. Got our loan approved in two hours and closed an hour later. Very professional and efficient. lowest rates around!

-Laura

I was helped with opening an IRA account and I am so thankful that I was given so much information. Good job LOC!

-Michael

We walked into the Hartland branch late on Friday afternoon in hopes of closing an auto loan before the weekend. The loan originated at another branch, but the Hartland branch was closer to the car dealership. We were greeted and assisted by Colton, who worked closely with LOC staff and the dealership to ensure that the loan was closed. He was friendly, professional, and seemed unphased that we were doing this on a Friday at 4:00! It was a great experience, and we were able to go out of town to attend to a sick parent as planned.

-Robyn 

LOC helped me save big time! Patrick was awesome to work with. He was able to help me in every way possible and answered every question perfectly. It was great to have someone that does their job to the best they can do!! I enjoyed my experience with LOC. Thanks. 

-Chris

Colton was able to help give me a loan at a much lower interest rate to save me 10% a month in interest. I will be able to pay down the balance with each payment rather than just interest each month. 

-Donna

I've been a member for 53 years and always have perfect service. The people that work here are like family, especially Kathy. She always goes out of her way to help me. Eric has also been a wonderful help to me with investments. I also saved 4% in interest on a new car I bought by financing through LOC.

-Sandra

Crystal is AWESOME! She moved mounts to help me refinance my auto loan and I went from 5.0% at another financial institution to 1.99% with LOC. She was prompt to respond to all of my correspondences. Thank you for putting your members first!

-Danielle

The LOC staff is always so helpful and friendly. It is so nice to deal with a credit union that is so welcoming and personal. Setting up our mortgage and other accounts has been truly the best experiences we have ever had in these situations.

-John and Sandy

The loan process was very quick. Jodi very help, efficient and awesome to work with!

-Brenda

LOC recently helped me consolidate some debt. This consolidation lowered my interest rate from 20% to 8%. Donna was incredibly helpful in helping me secure the loan and open my account. This will save me several hundred dollars a month and thousands over the long run!

-David

LOC helped us out very much by giving us a low-interest loan for a car. We were happy and able to afford a car as a gift to our college graduate! Crystal and her team were so sweet and helpful and listened to our needs and made it happen. Thank you LOC!

-Sharry

I just want to say that Colton and Patrick were both very nice to talk to and extremely helpful when I was there. They had everything done before I got back home and if I ever need another loan, I will be sure to go right back to one of them. I hope that they will be with LOC for a long time!

-Michael

First of all, I'd like to tell you how happy we are and have been with the customer service provided to us by pretty much everyone we have had the pleasure of working with from LOC Federal Credit Union. More recently, we have worked with Crystal and we can't say enough about Crystal's attentiveness, her energy, her attention to detail and her consistent follow-up and her timeliness in sticking to her word. She has demonstrated over and over how important we are to her and LOC and she exemplifies what customer service should be. LOC has saved us tons of money through refinancing various vehicle loans and we love it because we have a one stop shop for almost all of our "financing" needs. We plan on refinancing our mortgage very soon and are looking forward to the service and additional savings to come. Thank you and we love you LOC!

-Linda

Crystal handled the whole loan process very easily. I will refer her and LOC to others for sure. She's a great asset!

-Susan

A big thank you goes out to Adin. She made getting a vehicle loan easy. She was fast, efficient and personable. All of your people are great, but Adin really stood out. I look forward to dealing with Adin the next time we need a loan.

-Kyle

Peggy and Colton were extremely helpful. I needed to track down a few check deposits. Without knowing when they were deposited, they took the time to search many dates to find exactly what I was looking for. Thank you so much, LOC!

-Greg

I transferred my loan to LOC and saved $1,355! Thanks to Rachel and the rest of the LOC team! LOC is awesome and is MY credit union!

-David

LOC provides the best/lowest rate loans over any bank or financial institution. Our loan office was very knowledgeable and answered all questions efficiently. Overall, LOC has been professional and courteous throughout the entire loan process.

-Mark

After a poor experience dealing with another financial institution, I was apprehensive to go through the process again to get a boat loan. I couldn't have been more surprised how friendly the staff is at LOC, especially Crystal! She made the whole process simple and I'm actually excited to do more business with LOC! She is great!

-Jeremy

I love my credit union! Adin was a great help and everyone else has always been very helpful, no matter what questions I ask. I'm your best advertisement!!! Everything I own is financed through LOC.

-Stan

Donna was extremely helpful as I navigated the paperwork to refinance my two auto loan leases. Donna was patient with my many questions and helped me out a ton. It was a pleasure doing business with her!

-Glenn

The Hartland branch was friendly and fast! Colton did an amazing job on my auto loan. I'm very pleased with LOC and this will be the only place I get loans from!

-Michael

I worked with Crystal on a personal loan recently. She was very positive and energetic and provided me with very sound advice. I've been a member with LOC for 17 years and have continually had a positive experience.

-Jason

By consolidating my credit card into a personal loan, I will be saving over $17,000 over the life of the loan! This was a very engaging and respectful experience. Donna helped me get my truck loan along with a VISA credit card transfer at a significantly lower interest rate.

-John

Barb was a huge help when I was purchasing my first car. I live in Grand Rapids but grew up in Hartland. My mom had told me how low LOC's car loan rates were and I knew I wanted to use them for a loan. I wasn't planning to purchase right away but when a great deal came across, I couldn't pass it up. Barb got everything ready for me within the week and was ready to sign by that Friday. I had originally told her the sticker price of the vehicle was what I wanted to take out in a loan. Before processing everything, she wanted to make sure I knew that I could take out the full amount on the vehicle and use the remainder to pay off some student loans that have a higher interest rate. I felt silly for nothing thinking of that on my own, but was glad she mentioned it. After I told her I definitely wanted to do that, she later came back and told me that I was approved for the total amount that the car was worth (which was more than selling price) if I wanted to take that amount out instead. In the end, Barb saved me $4,500 which I put towards my 6.8% student loan. She had everything ready for me the minute I walked in the door and I was out of there in a short amount of time and on my way to the dealership.

-Amanda

When looking into needing a loan, we reached out to Barb who was helped us in the past. She had by far exceeded my expectations, and was always quick to respond. She and LOC have gone above and beyond to assist me in all the questions and concerns I have had.

-Rachel

Barb was not only very efficient and professional, but also very personable. She made sure I knew what all of my options were and that I understood them. She even called the dealership to help straighten out some issues I was having. If I ever have a doctor who's trying to cut at the wrong organ, it will be Barb that I have call the hospital (and she'll do it!) Thanks, Barb!

-Mark

We came to LOC to have paperwork notarized for a loan through a different financial institution. After talking with Colton, he was able to save us over $5,000 on the same dollar amount and same length of time on the loan! Thank you for taking the time to share info with us so that we could have this savings!

-Sheila

I recently found myself needing to finance two vehicles at relatively the same time. Colton's help with the first loan and the extra required paperwork was not only appreciated, it made me realize that I don't need to look anywhere else for other loans. I closed on on the loan Friday afternoon and picked up the car Saturday. Thanks for marking this part of the process easy, and to think it all started with my son's savings account in the Quacker's Club years ago!

-Joyce

LOC has always been very helpful through the years. All of the employees are efficient and friendly. I love doing my banking with LOC! =)

-Jane

I felt I received an excellent interest rate on a recent auto loan. I was given exemplary and thoughtful counseling and advice and felt my needs were understood completely. My best interests remained foremost the entire time. I'm especially thankful for the tips regarding dealing with the dealership when alternative approaches were possible. Donna was a pleasure to work with during all aspects of the process.

-Earl

Donna at LOC has been very helpful to me when it comes to meeting many of my financial needs. Over the years she has helped me in obtaining a new RV, refinancing loans, as well as helping me with my home. The staff at LOC is always very professional and helpful.

-Mark

I was having trouble making meaningful progress on my high interest credit card balances. I applied for a personal loan. I was promptly contacted by Donna, who walked me through each step of the process and in the end helped relieve a HUGE amount of emotional and financial burden! Thanks so much to Donna and LOC for everything!

-Leanne

Needed to consolidate some credit card debt. We were looking at an average APR of 25% and after sitting down with LOC, we now have that rate down to 8% thanks to a personal loan. It would have taken 11 years to pay off those cards, but thanks to LOC it's been reduced to 5 years (or less). Minimum monthly payments were previously $1,329 a month, but are now down to $475. Crystal was extremely helpful and I was very pleased how quickly we were able to close on this loan. Thank you!

-Aaron

Crystal has become our homes go-to girl for all things financial. She refinanced our auto loans, started the kids savings accounts and has made it all convenient and fun! Thank you Crystal and LOC!

-Amber

Came in to LOC feeling depressed, not knowing which way was up. Then, I spoke with Laura. Her patience and understanding helped clarify things for me and she spoke of so many options in which to ponder. Her kindness and understanding of not only my problem, but how LOC works, helped her help me and I'm feeling SO much better. I cannot thank her enough; she is a great asset to LOC and its members!

-Rafael

Thanks to LOC we're now saving $300 a month by refinancing our RV & Boat. The LOC team was very helpful in providing us with the options and rates to do so. The team was professional and extremely helpful during the entire process from start to finish.

Deb & Joe

We received world-class customer service from Donna in our efforts to secure a home equity line of credit. She was courteous, patient, informative and efficient. It was one of the best experiences I've ever had. Kudos and keep it up!

-Robert

I've been with LOC since 2011. Donna from the Farmington branch was extremely helpful in expanding my array of services. I have just had a savings account with LOC for over five years. Donna was so helpful, informative, and pleasant when describing the services offered that she brought tears to my eyes. Happy tears, of course!

-Suzanne

Colton and LOC worked hard to refinance my truck, saving me over $8,000 on a loan I previously had & went from 24% to 7.24%. I couldn’t be more surprised and grateful for their diligence.

-Michael

Donna was able to help me get a car loan at a good rate as well as help me with a balance transfer to help improve my credit as well as my cash flow. Her service was prompt and she has great knowledge and understanding of financial situations. I would recommend LOC and Donna to help with any banking needs.

-John

After accidentally throwing away some paperwork that I needed for my taxes, I stopped at the Hartland branch for help. Patrick and Colton went above and beyond in helping me reacquire these documents and were amazing throughout the entire process.

-Samantha

Crystal has assisted me on two separate loans. I could not ask for better service. Crystal goes the extra mile to make sure everything goes fast and smooth.

-John

Donna has been very helpful in helping me with my loan for my truck and camper this year. She has been extremely efficient and helpful in making my needs be met. She is very knowledgeable of all procedures and extremely friendly. I will recommend LOC and Donna for  anyone who would quality for services at LOC.

-Donna

LOC was very efficient with addressing my needs. Patrick was very helpful with my deposits, helping me set up the LOC mobile app and getting logged in to online banking.

-Jessie

Donna did a wonderful job in helping get everything together in order to get my loan finalized. She was able to lower my auto payment by more than $60 per month. Donna is a real joy to work with and is always very friendly and professional. I would recommend anyone looking for an auto loan or anything else to give LOC a call!

-Timothy

LOC Federal saved my over $330 per month off of my car loan and thousands off my interest fees! Thank you LOC Federal!

-Romulo

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.

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

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

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

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

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