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Dedicated to taking you further.

Our history of helping members spans more than seven decades.

Our founding dates back to 1950 when we began as Farmington Township School Employees Federal Credit Union.  Over the years, our credit union grew to serve other local school districts and municipalities, which led to our eventual name change to Livingston Oakland Counties Federal Credit Union in 1975, later shortened to LOC Federal Credit Union in 1989. In 2005, we were granted a community charter to serve southwest Oakland County and all of Livingston County. 

Our existing Farmington office opened in 1989 followed by Howell in 1998 and Hartland in 2007.

Today, LOC Federal serves 23,000 members and has approximately $300 million in assets. We provide members a full range of products and services to meet their needs from basic checking accounts, Digital Banking, to mortgages and 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 in the counties we serve such as Livingston County’s United Way Day of Caring, Rebuilding Together-Oakland County, Farmington’s Founders Festival,

Who Can Join

Membership in LOC is open to any individual who lives, works, worships, attends school or volunteers in Livingston or SW Oakland County.  A current member's immediate family (spouse, sibling, child, grandchild, parent, grandparent) or an individual living in the same household of a current member is also eligible to join LOC.

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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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