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
- 0.25% Rate Discount on qualifying Auto, Boat, RV or Motorcycle Loans not to fall below 1.89% floor rate
- Lender credit of $250 on Mortgage closing costs (1st mortgage only)
- 0.10% bonus paid on Certificates with maturities of one year or longer
- Free ID Protect (Value $3 per month)
- 1 Free Skip a Pay per calendar year (Value $25)
- No Fee for Purchasing Visa Gift Cards (Value $3 per card)
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 Program | ||||
| Effective Date: Friday, May 20th, 2022 | ||||
| Loan Type | Fixed APR As Low As | Term | Year | Loan Type |
| Auto Loan | 2.39% | Up to 66 Months | 2016-2022 | New & Used Auto |
| Motorcycle Loan | 2.39% | Up to 66 Months | 2016-2022 | New & Used Motorcycle |
| Boat or RV Loan | 3.44% | Up to 60 Months | 2018-2022 | New & Used Boat/RV |
APR = Annual Percentage Rate Subject to approval. Approval and actual rate and term offered is based on overall creditworthiness factors and satisfactory collateral. Heroes Program vehicle rate cannot be lower than our floor rate, which is currently 2.39% APR. Restrictions apply. Longer-terms are available for vehicle, boat/RV loans at a discounted rate. Contact us for more information. | ||||
| View All Standard Rates | ||||
| Heroes Certificate & IRA Rates | ||||
| Effective Date: Friday, May 20th, 2022 | ||||
| Minimum certificate deposit of $250 required. | ||||
| Account Type | Rate | APY | Dividends Paid | Penalties |
| 12 Month Heroes Cert / IRA | 0.300% | 0.300% | Monthly | 180 days* |
| 18 Month Heroes Cert / IRA | 0.300% | 0.300% | Monthly | 180 days* |
| 24 Month Heroes Cert / IRA | 0.400% | 0.400% | Monthly | 180 days* |
| 36 Month Heroes Cert / IRA | 0.500% | 0.500% | Monthly | 180 days* |
| 48 Month Heroes Cert / IRA | 0.600% | 0.600% | Monthly | 180 days* |
| 60 Month Heroes Cert / IRA | 0.700% | 0.700% | 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.
