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LOC Credit Union Rates & Review October 2026

Q: What are the current interest rates at LOC Credit Union?

Current rates for LOC Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.25%, 24-Month CD: 3.30%, 60-Month CD: 3.55%

Q: What CD terms does LOC Credit Union offer?

The LOC Credit Union CD terms we track include 12 month, 15 month, 18 month, 22 month, 2 year and 5 year terms, with rates from 3.65% to 4.35% APY. The institution may offer other terms or specials that are not listed here, so check with LOC Credit Union for its full lineup.

Q: How many branches does LOC Credit Union operate?

LOC Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join LOC Credit Union?

Yes, to access services at LOC Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 19, 2026

LOC Credit Union's 22 Month Heroes Cert / IRA rates are at 4.35%, 22 Month Cert / IRA rates are at 4.25%, 15 Month Heroes Cert / IRA rates are at 4.10%, 15 Month Cert / IRA rates are at 4.00%, 60 Month Heroes Cert / IRA rates are at 3.65%. LOC Credit Union's Personal Loan Rates are as low as 10.50%. LOC Credit Union's Credit Card Rates are at 12.50%. MonitorBankRates evaluates the financial stability of LOC Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.78%. Rates last updated and verified on 10/19/2026.

LOC Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at LOC Credit Union? Share your experience about LOC Credit Union by leaving a review below, or read customer reviews before you decide to use LOC Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.78%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

LOC Credit Union
Farmington

22981 Farmington Rd
Farmington, MI 48336-3915

https://loccreditunion.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

LOC Credit Union CD Rates

Product	Rate	APY	Term
22 Month Heroes Cert / IRA	4.27%	4.35%	22 months
Min Deposit $1,000 Details Heroes Certificate rates apply only to accounts opened after program enrollment; Dividends Paid: Monthly; Penalties: 180 days*; Penalty for early withdrawal will apply; Rolls into 18-month CD at maturity Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
22 Month Cert / IRA	4.17%	4.25%	22 Month
Min Deposit $1,000 Details Dividends Paid: Monthly; Penalty: 180 days; Rolls into 18-month CD at maturity.; *Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
15 Month Heroes Cert / IRA	4.02%	4.10%	15 months
Min Deposit $1,000 Details Heroes Certificate rates apply only to accounts opened after program enrollment; Dividends Paid: Monthly; Penalties: 180 days*; Penalty for early withdrawal will apply; Rolls into 12-month CD at maturity Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
15 Month Cert / IRA	3.93%	4.00%	15 Month
Min Deposit $1,000 Details Dividends Paid: Monthly; Penalty: 180 days; Rolls into 12-month CD at maturity.; *Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
60 Month Heroes Cert / IRA	3.59%	3.65%	60 months
Min Deposit $1,000 Details Heroes Certificate rates apply only to accounts opened after program enrollment; Dividends Paid: Monthly; Penalties: 180 days*; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
48 Month Heroes Cert / IRA	3.49%	3.55%	48 months
Min Deposit $1,000 Details Heroes Certificate rates apply only to accounts opened after program enrollment; Dividends Paid: Monthly; Penalties: 180 days*; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
60 Month Cert / IRA	3.49%	3.55%	60 Month
Min Deposit $1,000 Details Dividends Paid: Monthly; Penalty: 180 days; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
36 Month Heroes Cert / IRA	3.40%	3.45%	36 months
Min Deposit $1,000 Details Heroes Certificate rates apply only to accounts opened after program enrollment; Dividends Paid: Monthly; Penalties: 180 days*; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
48 Month Cert / IRA	3.40%	3.45%	48 Month
Min Deposit $1,000 Details Dividends Paid: Monthly; Penalty: 180 days; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
24 Month Heroes Cert / IRA	3.35%	3.40%	24 months
Min Deposit $1,000 Details Heroes Certificate rates apply only to accounts opened after program enrollment; Dividends Paid: Monthly; Penalties: 180 days*; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
12 Month Heroes Cert / IRA	3.30%	3.35%	12 months
Min Deposit $1,000 Details Heroes Certificate rates apply only to accounts opened after program enrollment; Dividends Paid: Monthly; Penalties: 180 days*; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
18 Month Heroes Cert / IRA	3.30%	3.35%	18 months
Min Deposit $1,000 Details Heroes Certificate rates apply only to accounts opened after program enrollment; Dividends Paid: Monthly; Penalties: 180 days*; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
36 Month Cert / IRA	3.30%	3.35%	36 Month
Min Deposit $1,000 Details Dividends Paid: Monthly; Penalty: 180 days; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
24 Month Cert / IRA	3.25%	3.30%	24 Month
Min Deposit $1,000 Details Dividends Paid: Monthly; Penalty: 180 days; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
12 Month Cert / IRA	3.20%	3.25%	12 Month
Min Deposit $1,000 Details Dividends Paid: Monthly; Penalty: 180 days; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
18 Month Cert / IRA	3.20%	3.25%	18 Month
Min Deposit $1,000 Details Dividends Paid: Monthly; Penalty: 180 days; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
6 Month Cert / IRA	3.13%	3.15%	6 Month
Min Deposit $1,000 Details Dividends Paid: At Maturity; Penalty: 90 days; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
3 Month Cert / IRA	2.97%	3.00%	3 Month
Min Deposit $1,000 Details Dividends Paid: At Maturity; Penalty: 90 days; Penalty for early withdrawal will apply Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

LOC Credit Union Savings Rates

Product	Rate	APY
Christmas Club Account	0.05%	0.05%
Min Balance $100 Details Dividends Paid: Quarterly; $100 minimum balance required to earn dividends if age 18 or older. No minimum balance required if under 18. Dividend rate is subject to change at any time. Fees may reduce earnings on the regular savings account. Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Regular Share	0.05%	0.05%
Min Balance $100 Details Dividends Paid: Quarterly; $100 minimum balance required to earn dividends if age 18 or older. No minimum balance required if under 18. Dividend rate is subject to change at any time. Fees may reduce earnings on the regular savings account. Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Vacation Club Account	0.05%	0.05%
Min Balance $100 Details Dividends Paid: Quarterly; $100 minimum balance required to earn dividends if age 18 or older. No minimum balance required if under 18. Dividend rate is subject to change at any time. Fees may reduce earnings on the regular savings account. Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

LOC Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.00%	Up to 7 Years
Details As Low As; LTV & Lien: 65% CLTV 2nd Lien or 80% LTV 1st Lien; Michigan primary residences only; Minimum $5,000, maximum $300,000 Last Updated 10/19/2026 Rate History No change since Oct 9, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Home Equity Loan	-	-	6.35%	10 Years
Details As Low As; LTV & Lien: 65% CLTV 2nd Lien or 80% LTV 1st Lien; Michigan primary residences only; Minimum $5,000, maximum $300,000 Last Updated 10/19/2026 Rate History No change since Oct 9, 2026 · 6.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Home Equity Loan	-	-	6.625%	15 Years
Details As Low As; LTV & Lien: 65% CLTV 2nd Lien or 80% LTV 1st Lien; Michigan primary residences only; Minimum $5,000, maximum $300,000 Last Updated 10/19/2026 Rate History No change since Oct 9, 2026 · 6.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Home Equity Loan	-	-	6.75%	Up to 7 Years
Details As Low As; LTV & Lien: 65.01% to 80% CLTV \| 2nd Lien; Michigan primary residences only; Minimum $5,000, maximum $300,000 Last Updated 10/19/2026 Rate History No change since Oct 9, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Home Equity Loan	-	-	7.00%	20 Years
Details As Low As; LTV & Lien: 65% CLTV 2nd Lien or 80% LTV 1st Lien; Michigan primary residences only; Minimum $5,000, maximum $300,000 Last Updated 10/19/2026 Rate History No change since Oct 9, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Home Equity Loan	-	-	7.10%	10 Years
Details As Low As; LTV & Lien: 65.01% to 80% CLTV \| 2nd Lien; Michigan primary residences only; Minimum $5,000, maximum $300,000 Last Updated 10/19/2026 Rate History No change since Oct 9, 2026 · 7.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Home Equity Loan	-	-	7.375%	15 Years
Details As Low As; LTV & Lien: 65.01% to 80% CLTV \| 2nd Lien; Michigan primary residences only; Minimum $5,000, maximum $300,000 Last Updated 10/19/2026 Rate History No change since Oct 9, 2026 · 7.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Home Equity Loans - Second Home	7.50%	-	7.50%	Up to 10 Years
Details As Low As; Second / Vacation Home; $5,000 Min/$35,000 Max; Maximum LTV 70%; Financing only on single unit, owner-occupied residences in Michigan Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Home Equity Loan	-	-	7.75%	20 Years
Details As Low As; LTV & Lien: 65.01% to 80% CLTV \| 2nd Lien; Michigan primary residences only; Minimum $5,000, maximum $300,000 Last Updated 10/19/2026 Rate History No change since Oct 9, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

LOC Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Loan	-	-	4.60%	Up to 48 Months
Details As Low As; Year: 2021-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $3,500 Minimum Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Auto Loan	-	-	4.90%	Up to 66 Months
Details As Low As; Year: 2021-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $3,500 Minimum Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Auto Loan	-	-	5.20%	Up to 75 Months
Details As Low As; Year: 2021-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $15,000 Minimum Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Auto Loan	-	-	5.29%	Up to 48 Months
Details As Low As; Year: 2018-2020; Maximum LTV: Up to 80%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $3,500 Minimum Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Auto Loan	-	-	5.59%	Up to 66 Months
Details As Low As; Year: 2018-2020; Maximum LTV: Up to 80%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $3,500 Minimum Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Auto Loan	-	-	5.70%	Up to 84 Months
Details As Low As; Year: 2021-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $30,000 Minimum Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 5.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Auto Loan	-	-	6.50%	Up to 96 Months
Details As Low As; Year: 2023-2026; Maximum LTV: Up to 85%; Heroes Program Maximum LTV: N/A; Minimum Loan Amount: $40,000 Minimum Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Older Used Auto & High Mileage Loan	-	-	6.79%	Up to 48 Months
Details As Low As; Model Year: 2017; Maximum LTV of 85%; 150,000 maximum mileage at time of application Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Classic Vehicle Auto Loan - Heroes Program	-	-	6.80%	Up to 48 Months
Details As Low As; Year: 2000 & Older; Maximum LTV: 90%; Heroes Program; Subject to approval Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Older Used Auto & High Mileage Loan	-	-	7.09%	Up to 60 Months
Details As Low As; Model Year: 2017; Maximum LTV of 85%; 150,000 maximum mileage at time of application Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Classic Vehicle Auto Loan	-	-	7.10%	Up to 48 Months
Details As Low As; Year: 2000 & Older; Maximum LTV: 90%; Subject to approval Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 7.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Classic Vehicle Auto Loan - Heroes Program	-	-	7.30%	Up to 75 Months
Details As Low As; Year: 2000 & Older; Maximum LTV: 90%; Heroes Program; Subject to approval Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 7.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Older Used Auto & High Mileage Loan	-	-	7.39%	Up to 36 Months
Details As Low As; Model Year: 2016; Maximum LTV of 85%; 150,000 maximum mileage at time of application Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Classic Vehicle Auto Loan	-	-	7.60%	Up to 75 Months
Details As Low As; Year: 2000 & Older; Maximum LTV: 90%; Subject to approval Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 7.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Older Used Auto & High Mileage Loan	-	-	7.69%	Up to 36 Months
Details As Low As; Model Year: 2015; Maximum LTV of 85%; 150,000 maximum mileage at time of application Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Auto Loan	-	-	7.90%	Up to 120 Months
Details As Low As; Year: 2023-2026; Maximum LTV: Up to 80%; Heroes Program Maximum LTV: N/A; Minimum Loan Amount: $50,000 Minimum; Credit score 700+ required, available for up to 80% financing Last Updated 10/19/2026 Rate History 2 changes since Sep 14, 2026 · 2.99% → 7.90% ▲ 4.91 pts · high 7.90% / low 2.99% Oct 19, 20267.90%▲ from 4.60% Sep 29, 20264.60%▲ from 2.99% Sep 14, 20262.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

LOC Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & RV Loan - Heroes Program	-	5.79%	Up to 60 Months
Details Year: 2023-2026; Loan amount: $10,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Heroes Program Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 5.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan - Heroes Program	-	6.04%	Up to 84 Months
Details Year: 2023-2026; Loan amount: $10,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Heroes Program Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan	-	6.09%	Up to 60 Months
Details Year: 2023-2026; Loan amount: $10,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan - Heroes Program	-	6.20%	Up to 60 months
Details Year: 2019-2022; Loan amount: $10,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Heroes Program Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.20% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan - Heroes Program	-	6.29%	Up to 120 Months
Details Year: 2023-2026; Loan amount: $15,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Heroes Program Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan	-	6.34%	Up to 84 Months
Details Year: 2023-2026; Loan amount: $10,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan	-	6.50%	Up to 60 months
Details Year: 2019-2022; Loan amount: $10,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan - Heroes Program	-	6.54%	Up to 144 Months
Details Year: 2023-2026; Loan amount: $25,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Heroes Program Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan	-	6.59%	Up to 120 Months
Details Year: 2023-2026; Loan amount: $15,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan - Heroes Program	-	6.79%	Up to 180 Months
Details Year: 2023-2026; Loan amount: $50,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Heroes Program Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan	-	6.84%	Up to 144 Months
Details Year: 2023-2026; Loan amount: $25,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Motorcycle & Power Sports Loan	-	7.00%	Up to 48 Months
Details As Low As; Model Year: 2021-2026; Loan amount: $5,000 Min/$40,000 Max; Available for <85% LTV or Heroes Program Members Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan	-	7.09%	Up to 180 Months
Details Year: 2023-2026; Loan amount: $50,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan - Heroes Program	-	7.29%	Up to 240 Months
Details Year: 2023-2026; Loan amount: $50,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Heroes Program Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Motorcycle & Power Sports Loan	-	7.30%	Up to 48 Months
Details As Low As; Model Year: 2021-2026; Loan amount: $5,000 Min/$40,000 Max Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.30% ▲ 0.30 pts · high 7.30% / low 7.00% Sep 18, 20267.30%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Motorcycle & Power Sports Loan	-	7.30%	Up to 60 Months
Details As Low As; Model Year: 2021-2026; Loan amount: $5,000 Min/$40,000 Max; Available for <85% LTV or Heroes Program Members Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 7.60% → 7.30% ▼ 0.30 pts · high 7.60% / low 7.30% Sep 18, 20267.30%▼ from 7.60% Sep 14, 20267.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Motorcycle & Power Sports Loan	-	7.55%	Up to 84 Months
Details As Low As; Model Year: 2021-2026; Loan amount: $10,000 Min/$40,000 Max; Available for <85% LTV or Heroes Program Members Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 7.55% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Boat & RV Loan	-	7.59%	Up to 240 Months
Details Year: 2023-2026; Loan amount: $50,000 Min/$100,000 Max; Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters); Fixed APR As Low As Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 7.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Motorcycle & Power Sports Loan	-	7.60%	Up to 60 Months
Details As Low As; Model Year: 2021-2026; Loan amount: $5,000 Min/$40,000 Max Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 7.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
New & Used Motorcycle & Power Sports Loan	-	7.85%	Up to 84 Months
Details As Low As; Model Year: 2021-2026; Loan amount: $10,000 Min/$40,000 Max Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 7.85% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

LOC Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Platinum	-	12.50%
Details APR As Low As; Rate Type: Variable; Credit Limits Up To: $30,000; Approval, credit limit, and actual rate offered based on overall creditworthiness factors. See LOC Visa Credit Card Disclosure for additional information on credit terms and costs. Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 10.24% → 12.50% ▲ 2.26 pts · high 12.50% / low 10.24% Oct 9, 202612.50%▲ from 10.24% Sep 14, 202610.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

LOC Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.50%	up to 36 Months
Details As Low As; Fixed Rate; $30,000 Max Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Personal Loan	11.50%	up to 48 Months
Details As Low As; Fixed Rate; $30,000 Max Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Personal Loan	12.50%	up to 60 Months
Details As Low As; Fixed Rate; $30,000 Max Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

LOC Credit Union Other Rates

Product	Rate	Points	APY/APR
Line of Credit	-	-	12.50%
Details As Low As; Variable Rate; $20,000 Max Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Fund (Variable)	0.60%	-	0.60%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$9,999; Dividends paid monthly; Dividend rate subject to change Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Fund (Variable)	0.70%	-	0.70%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000-$24,999; Dividends paid monthly; Dividend rate subject to change Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 0.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Fund (Variable)	0.90%	-	0.90%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999; Dividends paid monthly; Dividend rate subject to change Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 0.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Fund (Variable)	1.09%	-	1.10%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000-$74,999; Dividends paid monthly; Dividend rate subject to change Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 1.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Fund (Variable)	1.24%	-	1.25%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000-$99,999; Dividends paid monthly; Dividend rate subject to change Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 1.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Fund (Variable)	1.59%	-	1.60%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000-$249,999; Dividends paid monthly; Dividend rate subject to change Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 1.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Fund (Variable)	1.69%	-	1.70%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000-$499,999; Dividends paid monthly; Dividend rate subject to change Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 1.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Fund (Variable)	1.83%	-	1.85%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 and up; Dividends paid monthly; Dividend rate subject to change Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 1.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

LOC Credit Union’s Texas Ratio stayed near 1.94% in Q3 2023 to 1.78% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$485M	1.78%	5.0	A+
March 31, 2026	$483M	0.89%	5.0	A+
December 31, 2025	$467M	2.54%	5.0	A+
September 30, 2025	$462M	2.66%	5.0	A+
June 30, 2025	$461M	3.11%	5.0	A+
March 31, 2025	$458M	1.67%	5.0	A+
December 31, 2024	$446M	2.05%	5.0	A+
September 30, 2024	$444M	1.74%	5.0	A+
June 30, 2024	$447M	1.71%	5.0	A+
March 31, 2024	$442M	2.15%	5.0	A+
December 31, 2023	$435M	2.14%	5.0	A+
September 30, 2023	$435M	1.94%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for LOC Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather LOC Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with LOC Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name LOC Credit Union

Website https://loccreditunion.com

Address 22981 Farmington Rd, Farmington, MI 48336-3915

Phone 248-474-2502

Fax

President Paul Renko

CEO Stephen Grech

Full-Time Employees 85

Part-Time Employees 7

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.78%

Return on Assets (ROA)

0.5018%

Return on Equity (ROE)

4.9375%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

485,029,975

Total Amount of Shares and Deposits

434,175,348

Total Shares and Deposits < 1 Year

429,779,237

Total Shares and Deposits 1 3 Years

4,190,820

Total Shares and Deposits > 3 Years

205,293

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

21,059,652

Total Uninsured Shares and Deposits > $250K (F+J)

21,059,652

Total Insured Shares and Deposits > $250K (item 17 less item K)

413,115,696

Total Interest Expense (Sum of items 6 8)

1,806,632

Share Certificates

2,321

Number of Accounts for Share Drafts

19,525

IRA KEOGH Accounts

540

Number of Accounts for Regular Shares

35,588

Money Market Shares

2,528

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

20,781,174

Total Liabilities

439,683,214

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

LOC Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About LOC Credit Union

Does LOC Credit Union offer CDs?

Yes. LOC Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from LOC Credit Union NCUA insured?

Yes. LOC Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at LOC Credit Union?

The highest CD rate MonitorBankRates has verified for LOC Credit Union is 4.35% APY on its 22 Month Heroes Cert / IRA CD, as of October 19, 2026.

What CD terms does LOC Credit Union offer?

The LOC Credit Union CD terms we track include 12 month, 15 month, 18 month, 22 month, 2 year and 5 year terms, with rates from 3.65% to 4.35% APY. The institution may offer other terms or specials that are not listed here, so check with LOC Credit Union for its full lineup.

What is the lowest auto loan rate at LOC Credit Union?

The lowest auto loan rate MonitorBankRates has verified for LOC Credit Union is 4.60% APR on its New & Used Auto Loan, as of October 19, 2026.

What is the lowest personal loan rate at LOC Credit Union?

The lowest personal loan rate MonitorBankRates has verified for LOC Credit Union is 10.50% APR on its Personal Loan, as of October 19, 2026.

What is the lowest credit card APR at LOC Credit Union?

The lowest credit card rate MonitorBankRates has verified for LOC Credit Union is 12.50% APR on its VISA Platinum Credit Card, as of October 19, 2026.

How many branches does LOC Credit Union operate?

LOC Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join LOC Credit Union?

Yes, to access services at LOC Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, LOC Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, LOC Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does LOC Credit Union offer online and mobile banking?

Most modern institutions like LOC Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://loccreditunion.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do LOC Credit Union rates compare?

LOC Credit Union's top rates are 4.35% APY on its 22 Month Heroes Cert / IRA CD, personal loans from 10.50% APR and credit cards from 12.50% APR, verified by MonitorBankRates on October 19, 2026. To compare LOC Credit Union with the top rates nationwide, see our best CD rates, best personal loan rates and best credit card rates, updated daily from banks and credit unions across the country.

Current LOC Credit Union Rates

12-Month CD3.25%
18-Month CD3.25%
24-Month CD3.30%
60-Month CD3.55%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

LOC Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

LOC Credit Union Texas Ratio

LOC Credit Union Health Trend

LOC Credit Union CD Rates

LOC Credit Union Savings Rates

LOC Credit Union Home Equity & HELOC

LOC Credit Union Auto Loan Rates

LOC Credit Union RV, Boat and Powersport Loan Rates

LOC Credit Union Credit Card Rates

LOC Credit Union Personal Loan Rates

LOC Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

LOC Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About LOC Credit Union

Does LOC Credit Union offer CDs?

Are CDs from LOC Credit Union NCUA insured?

What is the highest CD rate at LOC Credit Union?

What CD terms does LOC Credit Union offer?

What is the lowest auto loan rate at LOC Credit Union?

What is the lowest personal loan rate at LOC Credit Union?

What is the lowest credit card APR at LOC Credit Union?

How many branches does LOC Credit Union operate?

Is a member application needed to join LOC Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does LOC Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do LOC Credit Union rates compare?

Current LOC Credit Union Rates

Compare to Other Credit Unions