--- title: "The Local Credit Union Rates - Michigan" description: "Current heloc, personal loan, and savings & cd rates from The Local Credit Union in Michigan. Updated daily with source verification. See who can join The Local Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/the-local" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # The Local Credit Union Rates - Michigan ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Fixed - 90% Loan-to-Value** heloc_fixed | — APR | 5.750% | — | Context only | | **Variable - 80% Loan-to-value** heloc_variable | — APR | 6.250% | — | Context only | | **Variable - 80% Loan-to-Value** heloc_variable | — APR | 6.500% | — | Context only | The Local Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loan 2** personal_unsecured_60mo | — APR | 11.750% | 60 mo | Context only | | **Line of Credit 1** ploc_variable | — APR | 13.400% | — | Context only | The Local Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Christmas Club** savings | — APY | 0.05% | — | Specialty offer | | **Daily Share Savings** share_savings | — APY | 0.05% | — | Context only | | **IRA/Roth Daily** ira | — APY | 0.15% | — | Context only | | **IRA/Roth Daily** ira | — APY | 0.30% | — | Context only | The Local Credit Union savings & cd rates as of November 12, 2026 The Local Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/the-local) , verified from [The Local Credit Union's official website](https://www.thelocalcreditunion.com/about-us/who-we-are.html) Loading branch locator… ## About The Local Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 9.5K Assets $109.2M Founded 1949 Locations reported 1 NCUA charter 63342 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 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. [**Vibe** Metro Parkway Branch · Sterling Heights · MI · 48310-4212 About 0.9 miles away](https://rateapi.dev/credit-unions/michigan/vibe) [**Michigan Schools and Government** Sterling Heights · Sterling Heights · MI · 48310-4209 About 0.9 miles away](https://rateapi.dev/credit-unions/michigan/michigan-schools-and-government) [**Polish-American** Troy · Troy · MI · 48083 About 1.7 miles away](https://rateapi.dev/credit-unions/michigan/polish-american) [**Cornerstone Community Financial** Troy Branch and Operations Center · Troy · MI · 48083-2315 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/cornerstone-community-financial) [**Genisys** 19 Sterling Heights · Sterling Heights · MI · 48312 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/genisys) [**Christian Financial** Westward Way · Sterling Heights · MI · 48312 About 2.2 miles away](https://rateapi.dev/credit-unions/michigan/christian-financial) 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 The Local Credit Union Membership eligibility from The Local Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on The Local Credit Union's website. Check the membership page below to confirm whether you qualify. - Association union local Verified from [The Local Credit Union's membership page](https://www.thelocalcreditunion.com/about-us/become-a-member.html) . Final membership determination is always made by the credit union. ## Membership rules for The Local Credit Union Associations · Family 2 published paths to membership, last verified August 21, 2026, quoted from The Local Credit Union’s own published criteria. ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of union local “Anyone who is a member of a union local headquartered in Macomb, Oakland, or Wayne County” > [source ↗](https://www.thelocalcreditunion.com/about-us/become-a-member.html) - Member of union local ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member family members “All family members are eligible to join as well.” > [source ↗](https://www.thelocalcreditunion.com/about-us/become-a-member.html) - Family member (family members) of a member 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 The Local Credit Union? Yes No ## Work at The Local 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 The Local Credit Union ranks against Michigan peers. - See which AI assistants fetched The Local 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=the-local&state=michigan&code=MI&name=The%20Local%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does The Local Credit Union offer? The Local Credit Union currently offers HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are The Local Credit Union rates updated? RateAPI verifies The Local Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get The Local Credit Union's rate data? Rate data is collected directly from The Local 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 The Local Credit Union? The Local Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 association for The Local Credit Union, each quoted from The Local Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare The Local 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.thelocalcreditunion.com/about-us/who-we-are.html) ### 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 The Local 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 The Local Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /the-local " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## The Local Credit Union locations Search, filter, and browse all 1 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/the-local Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp