Credit union · NCUA insured
LOC Credit Union CD Rates
LOC Credit Union’s best CD rate is 4.25% APY on a 22-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How LOC Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where LOC Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
LOC Credit Union
4.35%APY
- Term
- 22 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $812
Heroes Certificate
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
LOC Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where LOC Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Heroes Certificate
Up to 4.35%APY · 8 terms
Requires enrollment in Loving Our Communities Heroes Program. $1,000 minimum deposit required to earn Heroes Certificate rates. Rates only apply to those opened after program enrollment (or switched at maturity). Penalty for early withdrawal will apply. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.35% | $335 |
| 15 monthsDividends paid monthly; 180 days early withdrawal penalty. Rolls into 12-month CD at maturity | 4.10% | $515 |
| 18 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.35% | $507 |
| 22 monthsDividends paid monthly; 180 days early withdrawal penalty. Rolls into 18-month CD at maturity | 4.35% | $812 |
| 24 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.40% | $692 |
| 36 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.45% | $1,071 |
| 48 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.55% | $1,497 |
| 60 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.65% | $1,963 |
Share Certificate
Up to 4.25%APY · 10 terms
Minimum certificate deposit of $1,000 required. Penalty for early withdrawal will apply. Automatically renews at maturity for the same term at current prevailing rate unless otherwise noted. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid at maturity; 90 days early withdrawal penalty | 3.00% | $74 |
| 6 monthsDividends paid at maturity; 90 days early withdrawal penalty | 3.15% | $156 |
| 12 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.25% | $325 |
| 15 monthsDividends paid monthly; 180 days early withdrawal penalty. Rolls into 12-month CD at maturity | 4.00% | $502 |
| 18 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.25% | $491 |
| 22 monthsDividends paid monthly; 180 days early withdrawal penalty. Rolls into 18-month CD at maturity | 4.25% | $793 |
| 24 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.30% | $671 |
| 36 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.35% | $1,039 |
| 48 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.45% | $1,453 |
| 60 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.55% | $1,906 |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Heroes IRA Certificate
Up to 4.35%APY · 8 terms
Traditional and Roth options available. Requires enrollment in Loving Our Communities Heroes Program. $1,000 minimum deposit required to earn Heroes Certificate rates. Rates only apply to those opened after program enrollment (or switched at maturity). Penalty for early withdrawal will apply. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.35% | $335 |
| 15 monthsDividends paid monthly; 180 days early withdrawal penalty. Rolls into 12-month CD at maturity | 4.10% | $515 |
| 18 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.35% | $507 |
| 22 monthsDividends paid monthly; 180 days early withdrawal penalty. Rolls into 18-month CD at maturity | 4.35% | $812 |
| 24 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.40% | $692 |
| 36 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.45% | $1,071 |
| 48 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.55% | $1,497 |
| 60 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.65% | $1,963 |
Sources (3)
All captured Oct 5, 2026
IRA Certificate
Up to 4.25%APY · 10 terms
Traditional and Roth options available. Minimum certificate deposit of $1,000 required. Penalty for early withdrawal will apply. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid at maturity; 90 days early withdrawal penalty | 3.00% | $74 |
| 6 monthsDividends paid at maturity; 90 days early withdrawal penalty | 3.15% | $156 |
| 12 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.25% | $325 |
| 15 monthsDividends paid monthly; 180 days early withdrawal penalty. Rolls into 12-month CD at maturity | 4.00% | $502 |
| 18 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.25% | $491 |
| 22 monthsDividends paid monthly; 180 days early withdrawal penalty. Rolls into 18-month CD at maturity | 4.25% | $793 |
| 24 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.30% | $671 |
| 36 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.35% | $1,039 |
| 48 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.45% | $1,453 |
| 60 monthsDividends paid monthly; 180 days early withdrawal penalty | 3.55% | $1,906 |
Who can join LOC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in the state of Michigan.
Family and household
- Immediate family members (spouse, sibling, child, grandchild, parent, grandparent) or individuals living in the same household of a current or eligible member are eligible for membership.
Membership information collected October 5, 2026.