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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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Michigan Credit Union

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Welcome to LOC Credit Union serving the banking needs of Michigan residents and their families.

Michigan Mortgage and Home Equity Loans

Looking to buy a home or refinance a home in Michigan? Turn to LOC Credit Union as your preferred mortgage lender with our Real Estate Lending experts, Bill Cook and Charlie Nusser.

> Learn more about home financing

If you are a looking to make an update to an existing home or just want to leverage its equity, LOC Credit Union can provide both fixed-term and line of credit home equity loans. Instead of interest rates solely dependent on your credit score, we take into account your home's value, your current outstanding mortgage and what lien position will be placed for this loan.

> Explore home equity financing options

Michigan Auto Loans

Take to the road in Michigan sporting a new or used car financed with best-in-market auto loan rates from LOC Credit Union. We provide several financing options and insurance discounts. Need a lease buyout?  We can help with that, too!

> Learn about auto loans

Michigan Boat and RV Loans

Water or land—whatever your pleasure—LOC Credit Union can fit you with the right loan for your boat or recreational vehicle to take advantage of all the natural resources in Michigan.

> Learn more about boat and RV loans

Michigan Refinancing

Do you high-rate loans elsewhere? Perhaps you are paying too much for your car, boat, RV or home. Talk to the refinancing experts in Michigan at LOC Credit Union. We can help you see if we can save you money by reducing your rate and or term.

> See rate options for refinancing

Michigan Free Checking

Want a free checking account in Michigan? Come to LOC Credit Union. Our free checking comes with online and mobile access with bill pay, and e-alerts. Plus you have access to more than 30,000 surcharge-free ATMs

> Compare our free checking

Need a loan?

Apply easily and quickly online for your next loan.

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More reasons to belong!

Check out these great member perks.

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Eliminate high interest debt.

Come in for a free loan review today.

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