Real-life lessons in saving and finance.
In 1996, LOC Credit Union opened its first student-run credit union at East Middle School in Farmington Hills. Today, LOC is a proud partner with Farmington Public Schools, Hartland Consolidated Schools and Howell Public Schools and operates 19 in-school branches. Our in-school credit union program and this great community partnership strengthen student advancement as a result of exposure to positive community role models.
This unique program consists of a full-service LOC branch inside the school. Our student-run credit unions are managed by students with the supervision of an LOC employee. Student employees gain hands-on experience on how to run a branch and they perform duties of the various positions available at a financial institution. Not only does this program teach valuable skills to the students working the credit union, it also gives all students real-life lessons in savings and finance.
Who can use a student-run credit union?
Students and staff are able to make deposits and withdrawals at our in-school branches. Students are encouraged to open a savings account to save for events such as holiday gift giving, field trip expenses, college savings or sporting activities.
Families can open accounts online through our website. In addition, accounts can be opened at any LOC branch location. Kid and teen accounts need parent/guardian's proof of identification, a Social Security number and a minimum $5 deposit. If the student is already a member of LOC, it is not necessary to open another account.
When you become a member, you can enjoy the many benefits of our Kids and Teens Accounts. They have been specifically designed to meet the needs of our young members.
2025-2026 Student-Run Credit Union Schedule
Our student-run credit union operates throughout the school year. Days and hours of operation can vary based on holiday breaks, weather related closings, half days and other unforeseen circumstances. Please visit the school website for a current schedule.
Livingston County
| School | Deposit Day (Monthly) | Opening Day 2025-2026 | Last Day of Operation 2025-2026 |
|---|---|---|---|
| Challenger Elementary School | Wednesday | September 10, 2025 | May 13, 2026 |
| Farms Intermediate School | Thursday | September 11, 2025 | May 14, 2026 |
| Lakes Elementary School | Thursday | September 11, 2025 | May 14, 2026 |
| Northwest Elementary School | Friday | September 12, 2025 | May 15, 2026 |
| Ruahmah J. Hutchings Elementary School | Friday | September 12, 2025 | May 15, 2026 |
| Three Fires Elementary School | Wednesday | September 10, 2025 | May 13, 2026 |
| Voyager Elementary School | Thursday | September 11, 2025 | May 14, 2026 |
Oakland County
| School | Deposit Day (Monthly) | Opening Day 2025-2026 | Last Day of Operation 2025-2026 |
|---|---|---|---|
| Beechview Elementary School | Wednesday | September 24, 2025 | May 13, 2026 |
| East Middle School | Tuesday | September 30, 2025 | June 2, 2026 |
| Farmington STEAM Academy | Friday | September 19, 2025 | May 8, 2026 |
| Forest Elementary School | Wednesday | September 24, 2025 | May 13, 2026 |
| Gill Elementary School | Tuesday | September 16, 2025 | May 5, 2026 |
| Hillside Elementary School | Tuesday | September 30, 2025 | May 12, 2026 |
| Kenbrook Elementary School | Friday | September 19, 2025 | May 8, 2026 |
| Lanigan Elementary School | Thursday | September 25, 2025 | May 14, 2026 |
| Longacre Elementary School | Friday | September 26, 2025 | May 15, 2026 |
| Power Middle School | Wednesday | September 17, 2025 | June 3, 2026 |
| Warner Middle School | Thursday | September 18, 2025 | June 4, 2026 |
| Wood Creek Elementary School | Wednesday | September 17, 2025 | May 6, 2026 |
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.
Here to Help
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
Make an Appointment
Need to come in to speak to someone? Make an appointment at one of our convenient locations.