The Local Credit Union

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The Local Credit Union - Services



1.99%* Auto Loans

*Annual percentage rate of 1.99% is based on 2010 or newer vehicles.  We will match or beat as low as 1.99% area automobile dealers.  Subject to term and credit to qualified members.  New money only.  Promotional rate not to be combined with any other offer/promotion and is subject to change without notice.

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The Local Credit Union is proud to announce that we have partnered up with Member First Mortgage to offer a wide variety of mortgages that best fit our members growing needs.  We are now able to offer Standard Conventional Loans, FHA, VA, Rural Development, MSHDA, Second Homes and Investment Properties.  Member First Mortgage also offers four easy ways to apply for a mortgage loan: 

Online at  by phone 248-439-0404, by appointment with our Mortgage Consultant Kevin Trumble 248-439-0404 e-mail him at or, lastly, you are always welcome to come in and see our loan specialists that can assist with the process.


Click below for easy online access





The Local Credit Union
Loan Interest Rates
As of 11/01/14
Consumer Secured    
    Annual Percentage Rate (APR)
Product Term  
    rates as low as, listed below*
Autos  2010 or newer up to 84 months


2007-2009 up to 72 months 2.49%
2004-2006 up to 48 months 3.49%
2000-2003  up to 36 months 4.99%
Boats up to $24,999 up to 60 Months 4.99%
  up to 72 months 5.49%
  up to 84 months 6.24%
>$25,000 up to 120 months 6.24%
>$50,000 up to 180 months


ATV's, Snowmobiles, Campers (no motor), Personal Watercraft up to 60 Months 4.99%
  up to 72 months 5.99%
Travel Trailers, Motor Homes, Fifth Wheel up to 120 months 4.99%
Share Secured Up to 30 years  
   Under 1,000   6.25%
   1,000 - 9,999   4.25%
   Over 10,000   3.75%
CD Secured Up to 30 years CD + 3%
Secured VISA   9.90%
Consumer Unsecured    
Product Term APR
Signature (LOC) Revolving 16.50%
Signature Secured Up to 48 Months 10.50%
VISA Revolving 12.90%

Members can receive up to a .50% interest reduction* off loans based on services used.  1/4% reduction* for Direct Deposit or a Checking Account with HOP (Handi On-line Pay) and E-Statements with The Local Credit Union.  1/4% reduction* for credit life or disability insurance for new loan.  

Auto loans - 1/4% reduction for veterans on the current rates with a credit score of 680 or higher.  Not on Promotional Rates 

 APPLY NOW (Members & Potential Members)
Estimate Your Loan Payment Disclaimer: Inconsistency may occur with the use of the calculator and the outcomes are not credit guarantees.




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