The Local

39139 Mound Road, Sterling Height, MI 48310

NCUA Insured4.2 (76 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1949

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 Sterling Height, 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 1949

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

39139 Mound Road

Sterling Height, MI 48310

Google Maps 🗺Waze

(586) 264-1212

Service Area

This credit union is located in Sterling Height and serves members in the MI area. Currently serving 9,658 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

5.29%

Used Auto Loan

6.15%

Personal Loan

13.91%

Credit Card APR

12.43%

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(1 total)

Member Reviews

4.2

76 Google reviews

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

View on Google Maps

Alex Tarnowski

8 months ago

I found out about The Local through my apprenticeship and they have been a pleasure to work with. They’ve never tried to sell me on anything, and have had my best interest in mind. Jim Maisano was able to save me money on my Auto insurance and worked with me to find coverage that suited me best. I highly recommend doing business with The Local Credit Union.

Khris Andrus

8 months ago

Best insurance quote I got from the 3 different brokers I had run the same coverage for home/auto. Jim maisano was very responsive, professional, and knowledgeable. Highly recommend give him a chance to shop insurances for you!

John Holka

9 months ago

Very rude banker who accused me of trying to commit check fraud when I was just in there to cash a check written to my business from a long-term loyal customer of mine. They really thought a multimillionaire business owner would try and commit fraud for a measly $2700 lol all credit unions are useless just as much as big banks. At least JP Morgan and Bank Of America give me my money when I want it.

Ed-D Lktrshn

a year ago

Called for info about the Kasasa cash back program and Faith answered everything and more. She also volunteered to send emails to better explain it. I've been a member since 1995 and have always gotten outstanding service 10 or more stars out of 5! ☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆!!!!!!

jasmine king

a year ago

Jim was really fast and knowledgeable was able to get me a 6 month policy for over 500 dollars cheaper than I was able to get myself. Would recommend. Thank you Jim