Loving Our Community Heroes members enjoy special rates and benefits as a thank you for all you do for our communities! Now available to educators!
Eligible groups include:
- Military: Active Duty, Reserve, Retired and Veterans of any United States military division
- Law Enforcement: Currently Employed or Retired or Reserve from any local police department, sheriff, state or federal agencies to include FBI, CIA, DEA, ATF, U.S. Marshall, Customs, Border Protection and Secret Service.
- Fire Protection: Currently Employed, Retired or Reserve from any local fire department, airport authorities and federal and state wildfire services.
- Health Care: Those currently employed or retired from the health care industry including physicians, nurses, aides. residents, interns and fellows
- Education: Anyone who is currently employed or retired from a public or private school system, college-level or trade school. This includes educators and any support staff (office, guidance, resource, maintenance, transportation, etc.).
Benefits
- Rate Discount on qualifying Auto, Boat, RV or Motorcycle Loans
- Lender credit of $250 on Mortgage closing costs (1st mortgage only)
- 0.10% bonus paid on Certificates with maturities of one year or longer
- 1 Free Skip a Pay per calendar year (Value $25)
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
Current Heroes Program Rates
| Heroes Certificate & IRA Rates | |||||
| Effective Date: Saturday, May 27th, 2023 | |||||
| Minimum certificate deposit of $250 required. | |||||
| Account Type | Rate | APY | Dividends Paid | Penalties | Note |
| 12 Month Heroes Cert / IRA | 3.100% | 3.140% | Monthly | 180 days* | |
| 15 Month Heroes Cert / IRA | 4.350% | 4.440% | Monthly | 180 days* | Auto-renews into a 12-month CD at maturity |
| 18 Month Heroes Cert / IRA | 3.600% | 3.660% | Monthly | 180 days* | |
| 22 Month Heroes Cert / IRA | 4.600% | 4.700% | Monthly | 180 days* | Auto-renews into a 18-month CD at maturity |
| 24 Month Heroes Cert / IRA | 1.850% | 1.870% | Monthly | 180 days* | |
| 36 Month Heroes Cert / IRA | 1.850% | 1.870% | Monthly | 180 days* | |
| 48 Month Heroes Cert / IRA | 2.100% | 2.120% | Monthly | 180 days* | |
| 60 Month Heroes Cert / IRA | 2.100% | 2.120% | 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. | |||||
This benefit does not apply to current rate specials for the products listed above.
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.
