Everyone in Michigan is Eligible for Membership
Membership is open to anyone who lives, works, worships, attends school or in the State of Michigan. Businesses located in Michigan are also eligible for membership.
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.
Requirements to Open an Account
- A minimum of $5 for your savings account. This represents your membership share with us and must remain on deposit while a member
- Your driver’s license or another form of government-issued photo ID
- Social security number (including that of your child if opening an account for them)
Ways to Open A New Account/Membership
Open Online
Easily open and fund your account online using your computer or mobile device. Get Started
Visit a Branch
Stop by one one of our branch locations during business hours when it's convenient for you. Find a branch
Make an Appointment
You can also make an appointment one of our convenient locations to fit your busy schedule and minimize your wait time.