We are a Full Service Financial Institution Established 1949
The Local Credit Union Platinum
Visa with Score Card Rewards
We now offer a Visa Platinum
with Score Card Rewards and Rates as low as 9.9% APR*
Click on the link below for our flyer or stop by and ask for
details! We are here for YOU!
Credit Union Platinum Visa
*APR=Annual Percentage Rate.
Standard rates and credit limits are subject to credit history
and other determining factors. The Annual Percentage Rate
of 9.90% corresponds to a Monthly Periodic Rate of 0.00825% for
Platinum Cards on all balances.
CHECKING - Now With NO Monthly Service Fee
First 50 checks free
Free no fee Debit Card
Free online banking
Free mobile banking
Free online bill pay
Free ATM withdrawals at over 30,000
shared branch ATM's and participating 7-11 Convenience
Did you just order checks? We will buy
your checks from another institution for a $10.00 credit.
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
(Members & Potential Members)
UPGRADE TO FRAUD
DETECTION AND NOTIFICATION SYSTEM As
part of our continuing effort to bring the best technology and
service to our members, we at The Local Credit Union are
upgrading our Fraud Detection and Notification System. The new
system will provide more immediate attention to notify our
members faster when fraud is suspected. The notification
portion of the system includes a state-of-the-art automated
assistant to help our members review transactions and confirm
their MasterMoney Debit card spending activity.
If you receive a
notification call from our automated assistant, whom we have
nick-named Jill, please work with her to answer questions
regarding recent card activity. Please also be aware that our
Card Member Security team that provides fraud alert management
is available 24 hours per day, 7 days per week should you need
assistance from a live agent.
transactions are identified as fraudulent, calls will be
transferred to our outstanding member support team at Card
Member Security to help you take the necessary precautions to
protect your cards and related accounts. If the recent activity
is legitimate, you will be able to close the case with the phone
attendant using your touch-tone phone.
Thank you for your support through this upgrade and, as always,
thank you for choosing The Local Credit Union.
REAL ESTATE LOANS
The Local Credit Union is proud to announce that we have
partnered up with Members 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. Members First Mortgage also offers four easy
ways to apply for a mortgage loan:
www.memberfirstmortgage.com by phone 248-439-0404, by
appointment with our Mortgage Consultant Kevin Trumble 248-439-0404
e-mail him at
you are always welcome to come in and see
our loan specialists that can assist with the process
When you have a Home Loan with us we give you a *FREE* checking
account. No monthly service fee and we pay for the printing of
your checks. We have a variety of styles to choose from.
WE ARE NOW A PARTICIPATING MEMBER OF
protection of our members. Fingerprint signature will be obtained
from all non-account holders seeking to cash checks.
WHAT IS FALCON MONITORING?
Falcon is a neural network technology that
learns and understands individual cardholder purchase patterns,
comparing real-time authorization data with your individual card
behavior in order to better prevent fraud before it can
What happens? Each and every non pin
transaction is scored for potential fraud. Then, in the
event of a questionable transaction, a fraud representative will
phone the cardholder to verify the transaction. Falcon
Fraud representatives will ask questions to verify the
cardholder's identity, however, will never ask for numbers off
the card or the expiration date. If cardholder
verification is not immediately made the card is blocked,
a message is left for the cardholder to call back at their
To prevent any interruption of your debit
card service, please make sure the credit union has your phone
numbers (cell phones are convenient for receiving a call while
still out shopping) and let us know when you will be going out
CO-OP SHARED BRANCHING
We are now a CO-OP Shared Branching Outlet. With shared
branching, credit unions from all over the country share
facilities to give members thousands of convenient locations to
perform transactions just as if they were in their home credit
union. Whether you are at work, home or your favorite
travel destination, your credit union is always nearby.
When you enter a shared branch you will need the following:
Your home credit union's name. Your account number.
Valid government - issued photo identification, i.e., State
Driver's license, US Passport.
NCUA CU LOCATOR
The National Credit Union Administration (NCUA)
announced the availability of a free mobile application—CU
Locator—for consumers. Available for the iPhone, the iTouch, and
Android devices, the app puts finding the nearest credit union
location at consumers’ fingertips. The free CU Locator
mobile application is available for download from iTunes or the
OPPORTUNITIES FOR BUSINESS OWNERS
LOCAL, TRUSTED, SERVING ALL
NOW is the time to check out
our Business CHECKING and Business Loans
Our services are more
affordable than those offered by banks. Our network has
over 30,000 Surcharge-Free ATMS including most 711 stores.
We offer FREE 24-hour internet account access, FREE on-line Bill
Pay, FREE paper or e-statements and FREE Mobile
OUR PRIORITY IS MEMBER SERVICE
We offer 3 different checking
account packages. Basic Business (under 200 transactions
per month), Small Business (between 200 & 400 transactions per
month) and Business Checking (over 400 transactions per month).
We are currently offering
Merchant Solutions. If accepting credit & debit cards is
an important part of the success of your business, then programs
offered by FIS Merchant Solutions will help you strengthen
customer relationships and drive profitability. We offer a
free comparison of your existing merchant fees, fast
application turnaround, free programming of your existing
terminal. For more information, please
contact the marketing department.
LOOKING FOR A LOWER CAR
us refinance your Auto Loan from another financial institution.
(Members & Potential Members)
MOBILE BANKING IS HERE
This is your
ANYWHERE, ANYTIME BANKING.
Click here for instructions.
Before accessing this new service, we must have your current
cell phone number on file.
Log on to our web
site, click Home Banking. Look for the black tool bar.
Click on to "Alerts". Check the appropriate box. You
can be alerted by cell phone or email, when your account is
overdrawn, when a loan payment is due or past due. We can
even alert you when a certificate matures. Be sure to
utilize this new addition to our web site.
LOYALTY RATES for our LOYAL MEMBERS
(Members & Potential Members)
Autos, Trucks, Boats, RV's. When you finance any of these with us,
you can qualify for an interest reduction up to .50% off the current
annual percentage rate. Other conditions may apply.
NEW MEMBERS WELCOME
If you are a member, refer
us to your family and friends. Remember anyone living or working
in Macomb, Oakland and Wayne Counties can now join our credit union.
If you refer anyone for a loan or a savings account tell them to mention
your name. Both of you will receive a
$10.00 member referral deposit.
Preferred Rates for Term Share Accounts
Are Now LOYALTY RATES
Did you know that by using
credit union services you could earn up to a .25% annual percentage
yield above the current yield? The more services you use, the
greater your rate. Following is a list of preferred services:
Money Market Account, Individual Retirement Account, Checking,
Debit/ATM card, HOP (Handi On-line Pay), E-statement, Direct Deposit,
Auto Loan, Home Equity Loan, Mortgage Loan, RV Loan, Boat Loan, Line of
Credit, or Visa. You earn a bonus rate of .025 for each
service you have. Maximum bonus cannot exceed .25%.
This offer subject to change and can be withdrawn at any time.
YOUR FUNDS ARE INSURED BY
NCUA UP TO AT LEAST $250,000
The National Credit Union Administration, commonly referred
to as NCUA, is the federal government agency that charters and supervises
federal credit unions. NCUA also operates and manages the National Credit
Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit
of the U.S. government, NCUSIF insures the accounts of millions of account
holders in all federal credit unions and the vast majority of state-chartered
credit unions. You can confidently join and conduct
business with federally insured credit unions because no member has ever lost
money insured by the NCUSIF. Failures of
federally insured credit unions are rare because only those with sound
operational standards qualify to receive NCUSIF coverage. NCUA also
regularly reviews the operations of all federal credit unions and works closely
with state regulatory authorities to evaluate federally insured state-chartered
credit unions. Members are federally insured up to at least $250,000.00. IRA's
are separately insured up to $250,000.00 by NCUA - "Backed by the full
faith and credit of the United States Government".
here for information regarding additional coverage.