MemberFocus Community CU, a Division of LOC Credit Union is a state-chartered credit union, providing members with a full range of products and services to meet their needs from basic checking accounts, unique mortgage and home equity solutions, to robust Digital Banking, as well as award-winning wealth management options. Membership is available to anyone person that lives, works, worships, or goes to school in the state of Michigan can join LOC Credit Union. Immediate family members are also eligible to join.