At LOC, we don’t stop working for you. Even when our branches are closed, we want to provide members with as many financial services as possible.

Jump to Holiday Hours

To Get Cash

• Visit an LOC or CO-OP Network ATM
• Use cash back feature when making debit card purchases at participating merchants.

To Make a Deposit

• Use mobile deposit available on our Digital Banking Apps for Apple and Android devices.
• Use the drive-up ATMs at our Farmington or Howell branches

To Make a Payment or Transfer

• Use Digital Banking or automated telephone banking.

Important Phone Numbers

• Automated Telephone Banking | 800.527.7011
• Platinum Visa Credit Card Information | 800.299.9842
• Lost or Stolen Visa Debit Card | 888.241.2510
• To Activate or Change Visa Debit Card Pin | 866.762.0558

Digital Banking Password Reset 

Forgot your password and need to reset it?  You'll be able to easily reset your password within Digital Banking whether you're using a computer, tablet or your mobile device. Start by clicking on the "Forgot Password" link. From there, you'll need to enter in some information to help confirm your identity:

• Digital Banking Username
• Social Security Number
• Member Number
• Date of Birth

Click Continue. After that, you will have the option to reset your password via SMS Text Message, e-Mail or Voice Call. Whichever option you choose, will provide you with a temporary code. Use that code to then create a new password. Make sure your password meets all of the necessary requirements in order to keep your account secure:

• At least ten characters
• At least one lowercase letter
• At least one uppercase letter
• At least one number
• At least one special character

If you run into any issues, please reach out to our Contact Center during business hours at 800-837-4562.

Holiday Hours

Date	Holiday	Details
December 24, 2025	Christmas Eve	All Branches & Contact Center Closed
December 25, 2025	Christmas Day	All Branches & Contact Center Closed
December 31, 2025	New Year's Eve	All Branches & Contact Center Closed
January 1, 2026	New Year's Day	All Branches & Contact Center Closed
January 19, 2026	Martin Luther King Jr. Day	All Branches & Contact Center Closed
February 16, 2026	President's Day	All Branches & Contact Center Closed
April 3, 2026	Good Friday	All Branches & Contact Center Open 9AM-12PM
May 25, 2026	Memorial Day	All Branches & Contact Center Closed
June 19, 2026	Juneteenth	All Branches & Contact Center Closed
July 3, 2026	Independence Day	All Branches & Contact Center Closed
July 4, 2026	Independence Day	All Branches & Contact Center Closed
September 7, 2026	Labor Day	All Branches & Contact Center Closed
October 12, 2026	Federal Holiday	All Branches & Contact Center Closed
November 11, 2026	Veterans Day	All Branches & Contact Center Closed
November 26, 2026	Thanksgiving	All Branches & Contact Center Closed
November 27, 2026	Friday After Thanksgiving	All Branches & Contact Center Open 9AM-12PM
December 24, 2026	Christmas Eve	All Branches & Contact Center Closed
December 25, 2026	Christmas Day	All Branches & Contact Center Closed
December 31, 2026	New Year's Eve	All Branches & Contact Center Closed
January 1, 2027	New Year's Day	All Branches & Contact Center Closed