Loc Credit Union Howell MI | Affordable Vehicle Loans & Personal Banking

Introduction

At Loc Credit Union, we believe in building a strong financial future for our members, one relationship at a time. Since opening our doors in 1935, we've been dedicated to serving the Howell community from our branch located at 3020 E Grand River Ave, Howell, MI 48843. With a thriving membership of 27,830 individuals and assets totaling an impressive $444,377,926, we are proud to be a trusted partner in your financial journey. Under the leadership of CEO Stephen Grech and Board President Michael Lasley, our team of 95 employees is committed to providing personalized service tailored to your unique needs. Whether you're looking for personal banking options such as checking accounts or auto loans, or business services like merchant solutions and business loans, we've got you covered. Our total deposits stand at $23,172,995, reflecting the trust our members place in us. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: 3020 E Grand River Ave, Howell, MI 48843-8510. We invite you to explore the wide range of services we offer, including online and mobile banking options designed for your convenience. Join us today and experience the difference that a member-focused credit union can make. Feel free to reach out at (517) 546-8390 or visit our website at loccreditunion.com for more information. Your financial goals are important to us let's achieve them together!

Branch History & Mission

Welcome to Loc, a proud part of the Howell community in MI since our doors first opened in 1935. Our branch, located at 3020 E Grand River Ave, Howell, MI 48843, has been a cornerstone for financial services and community support for nearly nine decades. As we look back on our journey, it's clear that our commitment to serving our members and neighbors has only grown stronger. From humble beginnings, Loc has evolved significantly over the years. We started with just a handful of dedicated members, and today, we proudly serve over 27,830 individuals. With total assets exceeding $444,377,926, our growth reflects not only our financial stability but also the trust placed in us by our members. We strive to create an environment where everyone feels welcome and valued. At the heart of our mission is a simple yet powerful statement: we are dedicated to empowering our members through accessible financial solutions while actively supporting our local community. We understand that banking is about more than just transactions; it's about building relationships and fostering growth. That's why we offer a range of services from personal banking and auto loans to business financing each designed with your needs in mind. Our commitment extends beyond banking. We believe in giving back to the community that has supported us throughout the years. Through various outreach programs and partnerships with local organizations, we aim to make a positive impact on the lives of those around us. While members can visit us at 3020 E Grand River Ave, official correspondence should be sent to 3020 E Grand River Ave, Howell, MI 48843-8510. For your convenience, we provide ATM availability and drive-thru banking options so you can access your accounts easily. Our operating hours are Monday through Thursday from 9:00 am to 5:00 pm, Friday from 9:00 am to 6:00 pm, and Saturday from 9:00 am to 1:00 pm. As technology evolves, so do we. Our branch offers digital banking solutions like online banking and mobile payments because we know that flexibility is important in today's fast-paced world. Additionally, we ensure that all our services are ADA compliant, making them accessible for everyone in the community. We invite you to become part of the Loc family! Join us today and experience firsthand how we can help you achieve your financial goals while also being an active participant in our vibrant Howell community. Together, let's build a brighter future! For more information or assistance, feel free to reach out at 517-546-8390 or visit our website at Howell.

Branch Location & Accessibility

Accessibility Features

At Loc, we prioritize accessibility for everyone. Our branch is fully ADA compliant, featuring ramps and designated parking spots to ensure easy access. We also offer drive-thru banking for those who prefer a quick and convenient way to handle their transactions without leaving their vehicles.

Get in Touch

Have questions or want more information? Don't hesitate to call us at (517) 546-8390. We look forward to welcoming you at Loc soon!

Operating Hours

We understand that life can get busy, which is why we offer flexible operating hours designed to accommodate your schedule. Visit us Monday through Thursday from 9:00 am to 5:00 pm, Friday from 9:00 am to 6:00 pm, and Saturday from 9:00 am until 1:00 pm. We're here when you need us!

Services Offered

Our members enjoy a wide range of services tailored to fit their financial needs. From checking and savings accounts to auto loans, mortgage options, and credit cards with rewards, we have something for everyone. Plus, with ATM availability on-site and basic drive-thru services for deposits and withdrawals, banking has never been easier.

Member Eligibility

At Loc, we believe that everyone deserves a chance to be part of a community that cares. Joining our family is easy and welcoming, designed for individuals who live, work, or worship in the Howell area. If you're looking for a supportive financial partner, you're in the right place! To find out if you qualify, feel free to check out our detailed eligibility criteria here. Becoming a member at Loc opens the door to a wide range of services tailored just for you think personalized banking experiences, competitive loan rates, and access to various financial products that can help you thrive. Once you're ready to take the next step, opening an account is straightforward. You can get started by visiting us at 3020 E Grand River Ave Howell Mi 48843 or calling us at (517) 546-8390. Join us today and experience the benefits of being part of something special!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

Running a successful business involves more than just managing finances; it's about offering excellent service to your customers. Our merchant services simplify transactions, allowing you to accept payments easily and securely. This means faster checkouts and happier customers, which leads to increased sales and loyalty. Whether you're just starting out or looking to expand, Loc is here to provide the tools you need for success. Visit us at 3020 E Grand River Ave Howell Mi 48843 in Howell, MI or give us a call at (517) 546-8390 to learn more about how we can help your business thrive.

Supporting Your Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $35 in non-member commercial loans, providing flexible financing solutions. Imagine needing quick access to funds for an expansion project or new equipment. With our straightforward loan options, you can focus on what matters most growing your business.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our auto loans and vehicle financing options can make your dreams come true. Picture driving off in that new car without breaking the bank! We offer flexible terms tailored to fit your budget, ensuring that your monthly payments remain manageable.

Business Banking Support

We also cater to local businesses with our comprehensive business banking services. From merchant services that simplify transactions to business loans that help you grow, we understand the unique challenges faced by small businesses. Think of us as your financial ally in achieving success.

Convenient Online & Mobile Banking

In today's busy world, convenience is key. Our online and mobile banking features allow you to access your accounts anytime, anywhere. You can check balances, transfer funds, and pay bills with just a few taps on your smartphone. Plus, with ATM and cash withdrawal services available at multiple locations, accessing cash has never been easier!

Credit Cards with Rewards

For those who love earning rewards on their purchases, our credit cards provide an excellent way to earn points while managing expenses. Imagine collecting points for every dollar spent, leading to exciting rewards that enhance your lifestyle!

Drive-Thru and ATM Services

For quick transactions like deposits and withdrawals, take advantage of our basic drive-thru banking services. If you're on the go and need cash or want to check your balance quickly, our ATMs provide easy access without any hassle. At Loc, we prioritize making banking straightforward and accessible for everyone in our community. If you're ready to explore how we can assist you further or if you have any questions about our offerings, don't hesitate to reach out! Call us at (517) 546-8390 or visit us at our branch in Howell today. Your financial journey starts here!

Home Financing Solutions

Purchasing a home is a significant milestone, and at Loc, we want to make that journey smooth for you. Our mortgage loans and refinancing options are designed with you in mind. Whether you're buying your first home or looking to refinance your existing mortgage, our knowledgeable staff will guide you through every step.

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, or you need assistance with personal loans and debt consolidation, we have you covered. Imagine having a reliable partner for all your banking needs; that's what we strive to be! With our personal banking services, you can easily manage your finances while enjoying competitive rates and low fees.

Digital & Online Banking

Easy Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.loccreditunion.com/, managing your finances has never been easier. Whether you're checking your balance or transferring funds, you can do it all from the comfort of your home or on the go. Our secure platform ensures that your information is protected while you enjoy real-time account management.

Key Features for Your Convenience

Our digital offerings include electronic signatures for easy authorization of transactions, which means less hassle and more time for what matters most to you. Plus, e-statements are available, allowing you to view your financial statements online without the clutter of paper. If you're always on the move, our mobile application makes banking even simpler. With features like mobile payments and person-to-person transfers, sending money to friends or making purchases is just a tap away. You can also access your accounts anytime, ensuring you're always in control of your finances.

Security You Can Trust

At Loc, we prioritize your security. Our online banking services come equipped with robust safety measures to protect your personal information. You can bank confidently knowing that we've taken steps to safeguard your data. In conclusion, whether you're using our website or mobile app, Loc offers digital banking solutions that are accessible, user-friendly, and secure. Experience the future of banking today!

Financial Strength

At Loc, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on maintaining a strong foundation that supports our commitment to serving you effectively. With a net worth of $41,642,547, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $936 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $49,131,293 in share certificates and $82,327,865 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $37,436,692 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust, with $4,129 in used auto loans and $252,675,531 in total loans and leases supporting members' financial goals across various sectors. Our operational efficiency shines through with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 86 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 60,307, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Loc is your trusted partner. Visit us at 3020 E Grand River Ave Howell Mi 48843 or call (517) 546-8390 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Services

Additionally, our branch provides various services such as personal loans and debt consolidation options. We strive to cater to all aspects of personal banking so you can feel confident about your financial decisions. When you're ready to explore your borrowing options or need assistance with eligibility requirements, don't hesitate to contact us. We're here to help you navigate through the lending landscape with ease. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $57,678,260 in used vehicle loans and $19,261,743 in new vehicle loans already helping members get on the road. We provide flexible terms and refinancing options to make your auto financing easier.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $49,908,432, make buying or refinancing simple. We are committed to supporting you through every step of securing your dream home.

Unsecured Credit Card Loans

For those looking for flexibility, we also offer unsecured credit card loans. With a total of $4,020,097 in loans, our credit cards come with manageable terms that help members effectively manage their finances.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh is a trusted tool for anyone looking to secure the best loan options available. LendMesh ensures accurate loan comparisons through a robust sourcing method. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This guarantees that users receive fair and transparent offers, free from misleading information. One of the key benefits of using LendMesh is its Verified Data approach. All loan offers are gathered from legitimate financial institutions, promoting transparency in the comparison process. Additionally, LendMesh does not feature Sponsored Listings; lenders are not prioritized based on paid promotions. This means users can expect unbiased results that truly reflect the best options available. LendMesh also provides Real-Time Rate Comparisons, ensuring that users have access to up-to-date loan rates from multiple institutions. This feature empowers individuals to make informed decisions based on current market conditions rather than outdated information. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of the platform. If you're ready to explore your options and find competitive loan rates tailored to your needs, compare real-time loan offers today at LendMesh and discover how simple securing a great rate can be. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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