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

 These new credit cards cannot be activated or used until June 24

Click here to learn more about your new card.

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Debt Consolidation

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Eliminate high-interest debt.

Are you feeling overwhelmed with high-interest rate debt that seems to be taking years to pay off? Let LOC help!

Personal Loan Rates Starting As Low As 10.00% APR

If you are looking for a loan to consolidate credit cards, our personal loan options can also help you reduce your outstanding debt into a single loan. Our team of experts can provide a personal loan review to show you how it could be the best way for settling credit card debt. Compare bank personal loans and other personal loan providers to LOC, and you'll find we have some of the best low interest rate personal loans around! It’s a great plan to more easily manage your debt with one simple personal loan payment featuring a lower interest rate with fixed term.  We offer both short and long term personal loan options.

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VISA Platinum Credit Card

Switch now to our VISA® Platinum Credit Card* to start losing the weight of the extra debt quicker.

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Home Equity

Make the most of your home's equity by taking advantage of the value you've been building. LOC offers two options to tap in to your equity—a fixed-term loan and a line of credit.  Regardless of the option that’s right for you, you’ll enjoy no closing costs, annual fees and application fees.

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Auto Equity

If you own your car outright or have a small balance left on your loan, talk to us about how we can help you use your car's value to secure a loan to pay off other debt.

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*View rate and fee disclosures. 


Get Started Online

Regardless of which option is best for your situation, we're here to help. If you’re interested in applying you can get the process started today by applying online for your personal loan today.  

Apply Online 

Consult With Us In Person

If you prefer to speak with someone to go over your debt consolidation situation, come into an LOC branch for a free loan review today. Or make an appointment to speak with one of our Financial Success Specialists.

Make An Appointment


Their Dreams. Our Ideas.

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!


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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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Branch & ATMs

Find a Branch or ATM near you.

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Contact Us

Call/Text Us: 800.837.4562

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