Loc Credit Union
Verified rate book
Current Loc Credit Union rates
9 published offers verified as of August 4, 2026.
HELOC rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 7-Year Home Equity Loan (Fixed)heloc_fixed | 6.000% APR | 6.000% | — | Standard |
| 10-Year Home Equity Loan (Fixed)heloc_fixed | 6.350% APR | 6.350% | — | Standard |
| 60% CLTV or 80% LTV First Lienheloc | 6.500% APR | 6.500% | — | Standard |
| 15-Year Home Equity Loan (Fixed)heloc_fixed | 6.625% APR | 6.625% | — | Standard |
| 20-Year Home Equity Loan (Fixed)heloc_fixed | 7.000% APR | 7.000% | — | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 10.500% APR | 10.500% | — | Standard |
| Personal Line of Creditploc_variable | 12.500% APR | 12.500% | — | Standard |
Other rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Explore Our Products & Servicesother | 3.750% % | 3.750% | — | Standard |
| 60.01%-80% CLTVother | 7.000% % | 7.000% | — | Standard |
HELOC rates from 6% APR. Personal loan rates from 10.5% APR.
Source: RateAPI.dev, verified from Loc Credit Union's official website
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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. 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.
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.
Community charter: live/work in MI
- LocationMI
Verified from Loc Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Loc Credit Union?
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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 August 4, 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 August 4, 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.
What is Loc Credit Union's HELOC rate?
As of August 4, 2026, Loc Credit Union offers home equity lines of credit from 6% APR.
What is Loc Credit Union's personal loan rate?
As of August 4, 2026, Loc Credit Union offers personal loans from 10.5% APR.
Related Rate Data
Compare Loc Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Loc Credit Union rates
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Use it via API
Access this data programmatically with our REST API
# Get rates for Loc Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/loc" \
-H "Authorization: Bearer YOUR_API_KEY"