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In the coming weeks, MemberFocus members will begin receiving their new VISA credit cards.

LOC Cards- Your new credit card can now be activated!
MemberFocus Cards- New credit cards cannot be activated or used until June 24

Click here to learn more about your new card.

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Join Today

Watch your savings grow.

Are you interested in saving money at a higher rate while still having access to your money? Our insured money fund account is just what you’re looking for. 

  • 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


Money Fund (Variable)
Effective Date: Sunday, May 28th, 2023
Minimum Deposit AmountRateAPYDividends Paid
$2,500-$9,999 0.30% 0.30% Monthly
$10,000-$49,999 0.45% 0.45% Monthly
Over $50,000 0.55% 0.55% 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.


Not Yet A Member?

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

Looking for more options?

Check out our wealth management services.

Learn more 

Branch & ATMs

Find a Branch or ATM near you.

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Make An Appointment

Contact Us

Call/Text Us: 800.837.4562

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