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Enjoy special rates and benefits as a thank you for all you do for our communities!

Eligible groups include:
  • Military
  • Law Enforcement
  • Fire Protection
  • Health Care
  • Education

 

Heroes Program Features & Benefits

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Discounted Loan Rates

Rate discount on qualifying Auto, Boat, RV and Motorcycle loans.

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Credit Towards Closing Costs

Lender credit of $250 on Mortgage closing costs (1st mortgage only)

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Boost Your Savings

0.10% bonus paid on Certificates with maturities of one year or longer

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Skip Your Next Loan Payment

1 Free Skip a Pay per calendar year (Value $25)

 

Additionally, we'd like to remind you of some of the everyday benefits your LOC membership provides:

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Join Our Heroes Program Today!

Are you an existing member?

Just give us a call or visit a branch. Please make sure you are able to provide one piece of identification that signifies you as a member of one of these qualifying groups  upon request!

Contact Us

Not a Member?

Becoming a member and enrolling in our Loving Our Community Heroes program is easy! Please make sure you are able to provide one piece of identification that signifies you as a member of one of these qualifying groups during the new member application process upon request.   

Heroes Certificate & IRA Rates
Effective Date: Friday, May 30th, 2025
Minimum certificate deposit of $1,000 required.
Account TypeDividend RateAPYDividends PaidPenaltiesNote
12 Month Heroes Cert / IRA 3.80% 3.85% Monthly 180 days*   
18 Month Heroes Cert / IRA 3.55% 3.60% Monthly 180 days*   
24 Month Heroes Cert / IRA 3.05% 3.10% Monthly 180 days*   
36 Month Heroes Cert / IRA 2.81% 2.85% Monthly 180 days*   
48 Month Heroes Cert / IRA 2.81% 2.85% Monthly 180 days*   
60 Month Heroes Cert / IRA 2.81% 2.85% Monthly 180 days*   

APY = Annual Percentage Yield | $1,000 minimum deposit required to earn Heroes Certificate rates. *Penalty for early withdrawal of funds may apply on Certificate products. Heroes CD/IRA CD rates only apply to those opened after program enrollment. If you have an existing CD/IRA CD prior to enrollment, contact us at maturity to switch your CD/IRA CD type to Heroes. 

All member accounts are insured up to $1,000,000 (one million dollars) - Federally insured by NCUA up to $250,000 and insured up to an additional $750,000 by Excess Share Insurance, a private insurance company.

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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

 

Here to Help

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Digital Banking

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Contact Us

Want to talk to someone?
Call: 800.837.4562
Text: 248.474.2200

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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