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and tags, as close as possible to the opening tag. Creation Date: 05/03/2016 -- Our lobbies have reopened and no longer require an appointment, though appointments are encouraged. In-lobby cash transactions are also available. Learn More Make An Appointment Close Alert Close See All | Contract General Information About Us Branch & ATM Locations Work For Us Open an Account Make an Appointment Contact Us Main Menu Personal Save Free Checking Savings Money Fund Certificates Kids and Teens Overdraft Solutions Borrow New & Used Auto Loans Personal Loans Boat & RV Loans Mortgages Home Equity Loans Home Improvement Loans Online Application Cards Debit Card Credit Cards Digital Wallets Visa Purchase Alerts Gift Cards Invest IRAs Wealth Management Guided Wealth Portfolios Protect Auto & Home Insurance Payment Protection ID Protect AD&D and Life Insurance ForeverCar Business Banking Save Business Checking Other Business Accounts Borrow Business Loans Online & Mobile Banking Online Banking & Bill Pay Mobile Banking w/Deposit iPay QuickPay Life Track PFM eAlerts DocuSign Let's Win Together Calculators Credit Review Program Credit Unions vs Banks Debt Consolidation Financial Education Financial Reality Fairs Member Discounts Personal Financial Management Share Your Story Skip a Pay Student Credit Unions Why Members Love Us LOC Heroes Program It's a Money Thing Rates Overview Open An Account Make Appointment Locations/ATMs Contact About Careers (800) 837-4562 search input submit query Menu Let's Win. Together Online & Mobile Banking | Business | Personal | Online Banking & Bill Pay Login enter your online banking user id ENROLL FORGET PASSWORD? Save Checking Savings Money Fund Certificates Overdraft Solutions Kids and Teens Borrow Auto Loans Personal Loans Boat & RV Loans Mortgages Home Equity Loans Home Improvement Loans Credit Review Program Cards Visa Debit Cards Visa Credit Cards Digital Wallets Visa Purchase Alerts Visa Gift Cards Invest IRAs Wealth Management Guided Wealth Portfolios Protect Auto & Home Insurance Payment Protection Options AD&D and Life Insurance ID Protect ForeverCar Open A Membership Apply For A Loan Best in Market New and Used Auto Loan Rates as low as 1.39%. Learn More Save Business Checking Business Savings Business Money Fund Business Certificates Borrow Business Loans Mobile Deposit Deposit checks from your office. Learn more Personal & Business Online Banking & Bill Pay iPay QuickPay Mobile Banking Life Track PFM eAlerts DocuSign Need a loan? Apply Online Need help? Get Support Why LOC? About Us C redit Unions vs. Banks Loving Our Community Heroes Program Why Members Love Us Member Discounts Financial Literacy Resources Financial Calculators Financial Education Financial Reality Fairs It's a Money Thing Student-Run Credit Unions Additional Resources Credit Review Program Debt Consolidation Frequently Asked Questions Skip a Pay Did you know you can now make an appointment to see a member advisor? Make An Appointment All new 12-month 1.99% introductory offer on Home Equity Lines of Credit. Same rate regardless of credit score. Apply Now Looking to finance or refinance your vehicle? New Lower Rates Beginning at 1.39% Fixed APR. Apply Now Great low rates and expert lending advice. Thanks to Our All New Real Estate Lending Team! Learn More Expert real estate advice you can count on. Book Your Appointment Today! Schedule Now Mobile Banking & Bill Pay Login Mobile Banking & Bill Pay Auto Loan APR as low as 1.39% HELOC APR as low as 1.99% Home Equity APR as low as 2.65% Personal Loan APR as low as 6.99% Credit Card APR as low as 9.90% See All Rates Apply Online See All Rates Apply Online Interest Rates Certified by Datatrac News & Financial Tips Annual Membership Meeting At its January meeting, the Board of Directors adopted a resolution to hold the 2021 LOC Federal Credit Union Annual Membership Meeting virtually on March 15, 2021, at 5:30 p.m Federal Stimulus Payment FAQs Check out our FAQs to help answer your questions and get additional information about the second round of Federal Stimulus Payments! Errors with Bill Pay and Internet Explorer Subscribers using IE may be experiencing problems with some bill pay functions. IE is no longer compatible with security measures in our bill pay service. Consider upgrading to a newer browser for full functionality and safety. Why Dealership Financing May Not Be The Best Option When choosing between financing at a dealership or credit union ask yourself which one will be more beneficial in the long run. Home Equity Loan vs Cash-Out Refinance A home equity loan and a cash-out refinance on your mortgage are two ways to access the value that has accumulated in your home. Although the loans are similar, they’re not the same. Have You Considered Buying Out Your Current Lease? When your lease is over, you could drop the car off with the dealer, sign a few papers, and walk away. But have you considered what comes next? Have you considered buying out your current lease? View All News Our Members Are Getting Financially Fit LOC's staff is personable, knowledgeable and most importanly has helped me save over $400 a month by refinancing to a low interest rate loan. Patrick and LOC Financially Fit Together ℠ -- Financial Tools Account Alerts Credit Review Program Debt Consolidation Options Digital Wallets Financial Calculators Financial Education It's a Money Thing Personal Financial Management (PFM) Branches & ATMS Find a Branch or ATM near you. Click here Make An Appointment Contact Us Call/Text Us: 800.837.4562 Email Us Find Us Call/Text Us Back to Top NMLS #: 403013 Brighton, Commerce, Farmington, Farmington Hills, Fowlerville, Hartland, Howell, Novi, Pinckney, South Lyon Fees & Disclosures Rates Frequently Asked Questions Privacy Accessibility Routing Number 272479812 NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Personal Save Checking Savings Money Fund Certificates Overdraft Solutions Kids & Teens Borrow Auto Loans Personal Loans Boat & RV Loans Mortgages Home Equity Loans Home Improvement Loans Credit Review Program Online Loan Application Cards Visa Debit Cards Visa Credit Cards Digital Wallets Visa Purchase Alerts Visa Gift Cards Invest IRAs Wealth Management Guided Wealth Portfolios Protect Auto & Home Insurance AD&D & Life Insurance Payment Protection ID Protect ForeverCar Business Save Business Checking Business Savings Business Money Fund Business Certificates Borrow Business Loans Online & Mobile Banking Online Banking & Bill Pay iPay QuickPay Mobile Banking Life Track PFM eAlerts DocuSign Let's Win. Together Appointment Banking Calculators Credit Review Program Credit Unions vs Banks Debt Consolidation Financial Education Financial Reality Fairs It's a Money Thing Loving Our Community Heroes Program Member Discounts Personal Financial Management Share Your Story Skip a Pay Student Run Credit Unions Why LOC?...