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Welcome

We've Put Together a Complete Guide To Help You Through the Merger.

Dear Valued Member:

On July 1, 2022, MemberFocus Community Credit Union became LOC Credit Union with the Dearborn locations continuing to operate as MemberFocus Community Credit Union, a division of LOC Credit Union.

This culminated nearly a year and a half of discussions and groundwork by both credit unions, and the approval of the merger by LOC Credit Union members on April 26, 2022.

The final phase of this merger occurs August 1st, when our system integration takes place.

The entire team of the newly combined credit union has spent several months preparing for a smooth transition for our members. It’s important to note that both of the former credit unions are on the same core processing system which leads to a more seamless integration and provides economies of scale.

What does this system integration mean to you? In short it means:

  • Access to branch locations in Farmington, Hartland and Howell
  • A brand-new digital banking experience
  • A newly issued Visa Debit Card with the LOC Credit Union logo
  • No change to your insurance coverage. Your savings remains federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government agency
  • The team you have come to know at the Dearborn locations will continue to assist with your every-day financial needs

Below, you'll find a comprehensive overview of our merger integration and what you can expect from your credit union moving forward. Most importantly, please make note of any dates leading up to August 1, 2022.

Please feel free to contact us at 800-581-2003 if you have any additional questions.

Thank you for being a member. We appreciate your business and look forward to serving your financial needs in the years to come.

Sincerely,
Stephen P. Grech
President/CEO

Merger Integration Schedule of Events

Thursday, July 28
  • New registration for online and mobile banking and bill pay is disabled.
  • Existing Mobile Banking is removed from app stores.
Friday, July 29
  • Mobile deposit feature is disabled at 4PM.
  • Please make any mobile deposits prior to 4PM.
Sunday, July 31
  • Online, mobile and iTalk telephone banking unavailable.
  • No account alerts after 6AM.
  • Although debit and ATM card access is available, consider using your MemberFocus Visa or another credit card to pay for larger purchases.
  • Please delete existing MemberFocus apps as well as bookmarks related to memberfocus.org.
Monday, August 1
  • All branches open for normal business hours.
  • New Digital Banking available beginning at 10AM. Download the LOC Mobile app in your device's app store.
  • Set up account alerts in the new Digital Banking platform.
  • You can activate and use your new LOC Visa Debit Card. Your previous MemberFocus Debit Card will no longer work.
  • Extended Contact Center Hours: 8AM-6PM | 800-837-4562
Tuesday, August 2- Friday, August 5
  • Extended Contact Center Hours: 8AM-6PM | 800-837-4562

Important Account Information

Account Agreements and Disclosures

Your June 30 eStatement contained updated Account Agreements and Disclosures, including a revised Fee Schedule. If you receive paper statements, this was mailed to you separately.

See Fees and Disclosures

Bill Pay

If you use Bill Pay, your payments will process as scheduled. Beginning August 1, you will notice a difference in how payments are processed. We will begin to check your account twice (once in the morning and once in the afternoon) to see if funds are available. Funds for payments sent by check will remain in your account until the check clears. You will see images of these checks in your account history once they clear. All recurring payments currently setup will process as scheduled after August 1.

Quarterly Dividend Payments

Account types with dividends paid quarterly will receive a dividend payment on July 31 for daily balance(s) during July. A dividend payment will also be made on September 30 for the months of August and September.

Statements

All members will receive a final statement from the MemberFocus system for month-end July. This statement will be delivered by either mail or electronically based on your previous statement preferences. Please keep this statement as a reference point.

Check History

You will not be able to access images of any previous checks you may have cashed in the new Digital Banking Platform. If you need a copy or image of a particular check, please reach out to our Contact Center at 800-837-4562 and they will assist you with this request.

What's Staying the Same

Account Number

Your account number remains the same.

ATM Access

You will continue to enjoy fee-free access to CO-OP Network ATMs for deposits and withdrawals. There are nearly 30,000 across the United States, click here to find the one nearest you.

Checks

You can continue to use your existing checks. Any future orders will be issued with the LOC Credit Union logo and Routing Transit Number. Harland Clarke remains our third-party check provider should you need to place a reorder.

Credit Cards

You can continue to use your existing Visa Credit Card issued by MemberFocus Community Credit Union. In mid-2023, you will receive a new card issued by LOC Credit Union.

Direct Deposit of Payroll, Pension and Social Security

Your existing direct deposits will continue to post to your account as they do today. If you need to make changes or establish a new direct deposit after August 1, please use your account number and our new Routing Transit Number 272479812.

Electronic Withdrawals

Any automated withdrawals from your account that have been previously established will also process as they do today. If you are setting up new automatic withdrawals after August 1, please use your account number and our new Routing Transit Number 272479812.

Loan Payment Due Dates

If you have a loan with us, your payment due date remains the same.

What's New

Routing Transit Number

Our new number is 272479812. Please use this number with your account number when setting up any new automatic deposits or withdrawals.

Expanded Branch Network and Appointment Banking

On August 1, members will have access to three additional branch locations with deposit-automated ATMs. Also beginning August 1, you can make an appointment to see a Financial Success Specialist at any LOC Credit Union branch location. Appointments are available during normal business hours and are subject to availability.

Click here to view the hours for all LOC locations.

Extended Contact Center Hours

Members can now call our Contact Center from 9 a.m. until noon on Saturdays at 800.837.4562.

New Visa Debit Card

If you have a MemberFocus Community Credit Union MasterCard Debit Card, you will be receiving a Visa Debit Card issued by LOC Credit Union in mid-July. This card CANNOT be activated or used until August 1, 2022. Please read the insert included with this card for more details. Your previous card will no longer work after August 1, and you will need to contact any merchants that have the card old number to update payment information.

Instant Issue Debit Cards

Beginning August 1, if you need a debit card for any reason, we will be able to instant issue you one at any of our five locations.

Expanded Field of Membership

Tell your friends and family---any Michigander is eligible to join! Membership is now available to anyone who lives, works, worships or goes to school anywhere in Michigan.

Mortgage Expertise & Solutions

charlie nusser headshot

We are pleased to introduce you to Charlie Nusser (NMLS #1273515) who will assist the home financing needs of our members in Wayne and Oakland Counties. Charlie has been in the Real Estate lending space for more than nine years with experience in underwriting, loan origination and the closing of mortgage loans. Charlie is ready for a no-pressure discussion to review your options to be pre-approved so he can help get you in your dream home. He’ll walk you through a variety of options including conventional 15 and 30 year fixed-term mortgages as well as adjustable-rate mortgage (ARMs) options.

schedule an appointment with Charlie to Talk about your real estate needs

New Digital Banking Experience

With this merger integration, we’re excited to introduce you to a brand-new, intuitive and robust Digital Banking solution that will offer a seamless experience regardless of the device you use. It's important to note, that with this new Digital Banking Solution, members with multiple member numbers or who are joint on other accounts will see all their account information under one login.

CLICK HERE TO GET FAMILIAR WITH YOUR NEW DIGITAL BANKING EXPERIENCE.

Partnership Celebration Specials!

In celebration of our new partnership and combined Credit Union, we are pleased to provide you two great special offers on home equity loans.

Our home equity offerings are different than most banks and credit unions. You get the same great rate regardless of your credit score*. We base our rates on your home’s loan-to-value (LTV) and our lien position. Plus, there are no application fees or annual fees. With home values at all-time highs, there has never been a better time to leverage your equity.

Fixed-Term Home Equity Special

Enjoy a 3-Year Fixed-Term Home Equity Loan at 3.50% APR for up to $20,000. This loan is perfect for home improvements like a new roof, deck or patio, HVAC system or finishing your basement.

START FUNDING YOUR HOME IMPROVEMENT PROJECT NOW WITH THIS SPECIAL OFFER

Home Equity Line of Credit

12-Month Introductory Rate at 2.85% APR

Enjoy access to a low-cost revolving line of credit with a great introductory rate available for the first 12 months after the loan closes. Plus:

  • Borrow up to 80% of your home’s LTV up to $250,000
  • Take advantage of a draw period of 10 years and repayment terms up to 15 years
  • Make interest-only payments during your draw period
  • After the introductory period, the loan reverts to the variable APR as stated in the HELOC addendum— currently as low as 4.50% as of July 1, 2022

APPLY NOW FOR OUR HOME EQUITY LINE OF CREDIT INTRODUCTORY OFFER

Rates Subject to change at any time.

*You must qualify, meet our underwriting criteria and be approved.

This page is currently under construction, please check back soon!

Ready to purchase or refinance a vehicle?

Take advantage of our Best-in-Market Auto Loan rates as low as 3.24% Fixed APR.

Apply Now

Branch & ATMs

Find a Branch or ATM near you.

Click here

Make An Appointment

Contact Us

Call/Text Us: 800.837.4562

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