The Local Credit Union
Verified rate book
Current The Local Credit Union rates
9 published offers verified as of August 4, 2026.
HELOC rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Fixed - 90% Loan-to-Valueheloc_fixed | 6.250% APR | 6.250% | — | Standard |
| Variable - 80% Loan-to-valueheloc_variable | 6.750% APR | 6.750% | — | Standard |
| Variable - 90% Loan-to-Valueheloc_variable | 7.000% APR | 7.000% | — | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Signature Loan 2personal_unsecured_60mo | 11.750% APR | 11.750% | 60 mo | Standard |
| Line of Credit 1ploc_variable | 13.400% APR | 13.400% | — | Standard |
Savings & CD rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Christmas Clubsavings | 0.05% APY | 0.05% | — | Specialty offer |
| Daily Share Savingsshare_savings | 0.05% APY | 0.05% | — | Standard |
| IRA/Roth Dailyira | 0.15% APY | 0.15% | — | Standard |
| IRA/Roth Dailyira | 0.30% APY | 0.30% | — | Standard |
HELOC rates from 6.25% APR. Personal loan rates from 11.75% APR. Savings and certificate yields up to 0.30% APY.
Source: RateAPI.dev, verified from The Local Credit Union's official website
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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. 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 The Local Credit Union
Membership eligibility from The Local Credit Union's own published criteria. How we verify this.
Membership criteria are published on The Local Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from The Local Credit Union's membership page. Final membership determination is always made by the credit union.
Work at The Local Credit Union?
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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 August 4, 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 August 4, 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.
What is The Local Credit Union's HELOC rate?
As of August 4, 2026, The Local Credit Union offers home equity lines of credit from 6.25% APR.
What is The Local Credit Union's personal loan rate?
As of August 4, 2026, The Local Credit Union offers personal loans from 11.75% APR.
What is The Local Credit Union's best CD rate?
As of August 4, 2026, The Local Credit Union offers savings and certificate (CD) yields up to 0.30% APY.
Related Rate Data
Compare The Local 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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# Get rates for The Local Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/the-local" \
-H "Authorization: Bearer YOUR_API_KEY"