Enjoy special rates and benefits as a thank you for all you do for our communities!
Eligible groups include:
- Law Enforcement
- Fire Protection
- Health Care
Additionally, we'd like to remind you of some of the everyday benefits your LOC membership provides:
- Free checking account
- Fee-free access to over 30,000 CO-OP ATMs across the country
- Credit Union Exclusive Rates on Home and Auto Insurance through our partnership with Members Home and Auto & TruStage
Join Our Heroes Program Today!
Are you an existing member?
Just give us a call or visit a branch. Please make sure you are able to provide one piece of identification that signifies you as a member of one of these qualifying groups upon request!
Not a Member?
Becoming a member and enrolling in our Loving Our Community Heroes program is easy! Please make sure you are able to provide one piece of identification that signifies you as a member of one of these qualifying groups during the new member application process upon request.
|Account Type||Rate||APY||Dividends Paid||Penalties||Note|
|12 Month Heroes Cert / IRA||4.03%||4.10%||Monthly||180 days*|
|15 Month Heroes Cert / IRA||4.70%||4.80%||Monthly||180 days*||Auto-renews into a 12-month CD at maturity|
|18 Month Heroes Cert / IRA||4.27%||4.35%||Monthly||180 days*|
|24 Month Heroes Cert / IRA||3.30%||3.35%||Monthly||180 days*|
|36 Month Heroes Cert / IRA||3.06%||3.10%||Monthly||180 days*|
|48 Month Heroes Cert / IRA||3.06%||3.10%||Monthly||180 days*|
|60 Month Heroes Cert / IRA||3.06%||3.10%||Monthly||180 days*|
|APY = Annual Percentage Yield | $1,000 minimum deposit required to earn Heroes Certificate rates. *Penalty for early withdrawal of funds may apply on Certificate products. Heroes CD/IRA CD rates only apply to those opened after program enrollment. If you have an existing CD/IRA CD prior to enrollment, contact us at maturity to switch your CD/IRA CD type to Heroes.|
Are you ready to join LOC?
It’s easy to become a member of LOC Credit Union!
Membership is open to anyone who lives, works, worships, or attends school in the state of Michigan.
A current or eligible member's immediate family (spouse, sibling, child, grandchild, parent, grandparent) or an individual living in the same household of a current or eligible member can also join LOC.
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