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In the coming weeks, MemberFocus members will begin receiving their new VISA credit cards.

LOC Cards- Your new credit card can now be activated!
MemberFocus Cards- New credit cards cannot be activated or used until June 24

Click here to learn more about your new card.

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Dedicated to taking you further.

Our history of helping members spans more than eight decades.

LOC Credit Union today is a combination of two credit unions formed in 2022 as a result of a merger between LOC Federal Credit Union and MemberFocus Community Credit Union. Both institutions were originally founded to serve employees of the school districts in the communities in which they were located.

We take pride in our deep roots beginning in 1935 as Fordson Teachers’ Credit Union and in 1950 as Farmington Township School Employees Federal Credit Union.

Today as a state-chartered credit union, LOC serves 33,000 members and has approximately $465 million in assets. We provide members with a full range of products and services to meet their needs from basic checking accounts, unique mortgage and home equity solutions, to robust Digital Banking, as well as award-winning wealth management options.

Download our Annual Report

LOC - Loving Our Community

We like to think that LOC stands for Loving Our Community.  LOC has a long history of supporting our schools and our communities.  In 1995, we opened our first student-run credit union in Farmington Hills East Middle School.  This program has grown to include 19 school partners in Farmington, Howell and Hartland. 

To further our efforts to equip youth with the necessary skills for better money management, LOC often presents financial literacy workshops, presentations and fairs, like the Teen Reality Fair.  Watch a short video on how we Love Our Community.

Additionally, LOC supports many organizations and initiatives throughout the counties we serve.

Who Can Join

Anyone person that lives, works, worships, or goes to school in the state of Michigan can join LOC Credit Union. Immediate family members are also eligible to join.

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Our Combined Historical Timeline

  • 1935: Fordson Teachers’ Credit Union was founded.
  • 1948: Fordson Teachers’ Credit Union expanded services to entire Dearborn School District and changed its name to Dearborn Schools Credit Union.
  • 1950: Farmington Township School Employees Federal Credit Union was founded.
  • 1954: Farmington Township School Employees Federal Credit Union changed its name to Farmington-Clarenceville Employees Federal Credit Union when it added Clarenceville School District.
  • 1960-1989: Farmington-Clarenceville Employees Federal Credit Union went through a series of name changes as its field of Membership expanded to include more school districts and other groups before landing at LOC Federal Credit Union 1989.
  • 1989: Main office opened on Farmington Rd.
  • 1997: New Howell office opened on Grand River Ave.
  • 2005: Dearborn Schools Credit Union changed its name to MemberFocus Community Credit Union when it was granted a community charter. Also in 2005, LOC Federal Credit Union was granted a community charter to serve southwest Oakland County and Livingston County.
  • 2007: New Hartland office opened on Highland Rd.
  • 2022: LOC Federal Credit Union merged with MemberFocus Community Credit Union to form a state-chartered credit union serving the entire state of Michigan with 33,000 members and approximately $465 million in assets.


Their Dreams. Our Ideas.

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 loan, LOC has always taken good for me.

Shirley and LOC

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