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Watch your savings grow.

  • Minimum of $2,500 to open the account
  • Must maintain at least $2,500 to earn dividends
  • Competitive rates, tiered based on your balance
  • Dividends compounded and paid monthly
  • Federally insured by the NCUA

Open An Account


Money Fund (Variable)
Effective Date: Sunday, May 26th, 2024
Minimum Deposit AmountRateAPYDividends Paid
$2,500-$9,999 0.45% 0.45% Monthly
$10,000-$24,999 0.65% 0.65% Monthly
$25,000-$49,999 0.85% 0.85% Monthly
$50,000-$74,999 1.09% 1.10% Monthly
$75,000-$99,999 1.19% 1.20% Monthly
$100,000-$249,999 1.54% 1.55% Monthly
$250,000-$499,999 1.59% 1.60% Monthly
$500,000 and up 1.638% 1.65% Monthly

APY = Annual Percentage Yield

Dividends are calculated using the daily balance, paid and compounded monthly. $2500 minimum balance required to open and to earn dividends. Dividend rate is subject to change at any time.

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Let's Win Together

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.

Join Now

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If you don't have an immediate need for your money, a Certificate (CD) may provide you a higher rate of return. Short and long term options are available.

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Plan For Your Long-Term Financial Future

A Traditional or Roth IRA can be a good option to help you plan for your eventual retirement.

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Get Knowledgeable Advice

If you are looking for advice on developing a financial plan, seek the guidance of a skilled professional through LOC Financial Services. 

Learn More


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Want to talk to someone? Call or
text 800.837.4562

Monday - Thursday 9 am to 5 pm
Friday 9 am to 6 pm
Saturday 9 am to 1 pm

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Make an Appointment

Need to come in to speak to someone? Make an appointment at one of our convenient locations.

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