--- title: "Loc Credit Union Rates - Michigan" description: "Current heloc, and personal loan rates from Loc Credit Union in Michigan. Updated daily with source verification. See who can join Loc Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/loc" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Loc Credit Union Rates - Michigan ### HELOC rates 6 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.000% | — | Standard | | **7-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.500% | — | Standard | | **60% CLTV or 80% LTV First Lien** heloc | — APR | 6.750% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.850% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.150% | — | Standard | | **20-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.500% | — | Standard | Loc Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.500% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 12.500% | — | Standard | Loc Credit Union personal loan rates as of November 13, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Explore Our Products & Services** other | — % | 4.250% | — | Standard | | **60.01%-80% CLTV** other | — % | 7.250% | — | Standard | Loc Credit Union other rates as of November 13, 2026 Loc Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/loc) , verified from [Loc Credit Union's official website](https://www.loccreditunion.com/) Loading branch locator… ## About Loc Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 27.7K Assets $483.4M Founded 1935 Locations reported 6 NCUA charter 61404 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Credit Union One** CUO-Farmington · Farmington · MI · 48336-4236 About 0.7 miles away](https://rateapi.dev/credit-unions/michigan/credit-union-one) [**Chiropractic** Chiropractic Federal Credit Union · Farmington · MI · 48335 About 1.5 miles away](https://rateapi.dev/credit-unions/michigan/chiropractic) [**Michigan Schools and Government** Livonia · Livonia · MI · 48152 About 2.1 miles away](https://rateapi.dev/credit-unions/michigan/michigan-schools-and-government) [**Christian Financial** Livonia Branch · Livonia · MI · 48152 About 2.8 miles away](https://rateapi.dev/credit-unions/michigan/christian-financial) [**Community Choice** Community Choice Credit Union · Farmington Hills · MI · 48334-2502 About 2.9 miles away](https://rateapi.dev/credit-unions/michigan/community-choice) [**Lake Michigan** Farmington Hills · Farmington HIlls · MI · 48331 About 3.2 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Loc Credit Union Membership eligibility from Loc Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Loc Credit Union's website. Check the membership page below to confirm whether you qualify. - Location MI Verified from [Loc Credit Union's membership page](https://www.loccreditunion.com/about-us) . Final membership determination is always made by the credit union. ## Membership rules for Loc Credit Union Geography 4 · Family 2 6 published paths to membership, last verified August 27, 2026, quoted from Loc Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - MI “Membership is open to anyone who lives, works, worships, or attends school in the state of Michigan.” > [source ↗](https://www.loccreditunion.com/about-us) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, sibling, child, grandchild, parent, grandparent, household member “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.” > [source ↗](https://www.loccreditunion.com/) - Family member (spouse, sibling, child, grandchild, parent, grandparent, household member) of a member - Family of someone eligible immediate family, spouse, sibling, child, grandchild, parent, grandparent, household member “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.” > [source ↗](https://www.loccreditunion.com/about-us) - Family member (immediate family, spouse, sibling, child, grandchild, parent, grandparent, household member) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Loc Credit Union? Yes No ## Work at Loc Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Loc Credit Union ranks against Michigan peers. - See which AI assistants fetched Loc Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=loc&state=michigan&code=MI&name=Loc%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Loc Credit Union offer? Loc Credit Union currently offers HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Loc Credit Union rates updated? RateAPI verifies Loc Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Loc Credit Union's rate data? Rate data is collected directly from Loc Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Loc Credit Union? Loc Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 4 geographic areas for Loc Credit Union, each quoted from Loc Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Loc Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.loccreditunion.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Loc Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Loc Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /loc " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Loc Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/loc Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp