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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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Credit Review Program

Credit Review Program

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Take a Deeper Dive Into Your Finances.

No matter where you are in life, we're dedicated to taking you further.  We want to provide you with a variety of options to help you save. Our Credit Review Program is available to all members and non-members who are interested in diving deeper into their finances.

Whether you have a credit score over 800 or your credit is less than perfect, we'd love for you to take advantage of our great low rates! We know everyone's financial situation is different, which is why we're dedicated to coming up with ways to find a fit that is right for you. Because who doesn't love saving a little money, lowering your rates and improving your credit score?

This program allows our team to analyze your full financial picture, including any current outstanding debt and provide you with suggestions, tips and ideas for ways to ensure you're getting the most out of your finances. If you're interested in this free program, follow the steps below to start saving and improving today! 

Some of the Ways We Can Help You Save


12-Month Introductory Rate

5.50%* APR

See Details

Auto Loan Rates

Up to 66 Months as low as:

4.89% APR

See Details

Personal Loan Rates

Up to 36 Months as low as:

8.99% APR

See Details

*Available for the first 12 months after the loan closes (not when the advance is made). After the introductory period, the loan reverts to the APR as stated in the HELOC agreement.

Be sure to share this great opportunity with friends and family too!

Request a Review

  1. Fill out the form below to submit your name for the program. Once received, someone from our team will follow-up with you within 24 business hours and send over the digital form to sign, via DocuSign, to get the ball rolling. By filling out the digital form, you're authorizing LOC to pull your credit report.
  2. One of our Financial Success Specialists will follow up with you within 30 days to discuss available options for you. With the unique report that's pulled, LOC will analyze any current debt and your credit score and look for options to improve them both. This report will also highlight what goes into calculating your credit score, and other ways we can help you save.
  3. If LOC finds a loan for you, our team will extend an offer to you.

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    We're ready for you.

    See how we've helped members get their finances back in order.

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