Loc

22981 Farmington Road, Farmington, MI 48336

NCUA Insured4.9 (773 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1935

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Farmington, MI may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1935

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

22981 Farmington Road

Farmington, MI 48336

Google Maps 🗺Waze

(248) 474-2502

Service Area

This credit union is located in Farmington and serves members in the MI area. Currently serving 27,710 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.90%

Used Auto Loan

4.90%

Personal Loan

12.91%

Credit Card APR

10.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Awakon— Used Auto Loan

Onaway, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.80%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

4.9

773 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Bethany Munro

3 months ago

My boyfriend and I applied for an auto loan, and both Chelsea and Mikayla were incredibly helpful! Neither of us ever applied for an auto loan before, so this was an unfamiliar process for us and we had a lot of questions throughout the deal. We also unexpectedly needed a car rather quickly to get to work, and with their help we were able to close on the loan in less than 48 hours. We’re both extremely grateful for their timely communication, and being so on top of things at every step of the process for us. Everyone at LOC has always been so kind, helpful, and supportive! We highly recommend!

Rami Debouk

3 months ago

I applied for a Line of Credit through LOC Credit Union and the application process was very easy and straightforward. After submitting all documents and within a week the appraisal was complete and the loan approved. We closed within two weeks of applying, on a Saturday to accommodate my schedule even, and the loan was funded after 3 business days. Thank you Crystal, Jennifer, and Shanta for your professionalism and addressing all details and answering all concerns promptly. LOC employees treat you as family and this is why they are my credit union.

Paul and Tammy Lampert

6 months ago

I recently applied for a vehicle loan. From the time I began the process it did not take any time at all for things to progress through to completion. I definitely feel that Ashley Palise, our consumer loan team lead was the reason for this. She made the process very easy to understand, helped each step of the way, and communicated in a very timely manner. I would highly recommend going to LOC for your loan needs! Excellent customer service, and great options!

Synthia Cassandra

3 months ago

On 2/19/2026, I came in to join your LOC family. Ashlee was so professional, very product knowledgeable and very welcoming. Because of her, I am a new member. I opened both savings and checking accounts. I will have direct deposit and a business account soon. Ashlee, keep up the great work! Ms. Cindy

Sulaiman M

3 months ago

I want to give a big thank you to Samantha at LOC Bank. I drove all the way from Dearborn to Farmington because she always takes care of everything professionally and makes the whole process smooth and stress free. Really appreciate the great service every time!