The Local Credit Union Rates and Review January 2026
Compare The Local Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of The Local Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityThe Local Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at The Local Credit Union? Share your experience about The Local Credit Union by leaving a review below, or read customer reviews before you decide to use The Local Credit Union. Overall, The Local Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. The Local Credit Union The Local Credit Union 39139 Mound Rd Sterling Heights, MI 48310 2737  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonVisa Platinum Preferred Rewards
15.740% - 17.990%
Visa Crimson Card
13.240%
Visa Platinum Preferred Student
17.990%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal/Signature
10.990%
$0
24 - 36
Personal/Signature Loans
11.150%
$0
60 - 60
Personal Signature Loan
10.250% - 17.950%
$0
1 - 36
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have The Local Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: The Local Credit Union
Website: https://www.thelocalcreditunion.com
Full Time Employees: 21Part Time Employees: 0 President: Joseph Cusenza CEO: Joseph Hallman Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
39139 Mound Rd
Sterling Heights, MI 48310 2737 Phone Number: 586-264-1212 Fax Number: 586-264-9447 FinancialsTotal Assets:
103,854,978
Total Amount of Shares and Deposits:
87,536,738
Total Shares and Deposits < 1 Year:
82,200,528
Total Shares and Deposits 1 3 Years:
4,344,273
Total Shares and Deposits > 3 Years:
991,937
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
5,854,619
Total Uninsured Shares and Deposits > $250K (F+J):
5,854,619
Total Insured Shares and Deposits > $250K (item 17 less item K):
81,682,119
Total Interest Expense (Sum of items 6 8):
456,840
Share Certificates:
560
Number of Accounts for Share Drafts:
4,243
IRA KEOGH Accounts:
295
Number of Accounts for Regular Shares:
3,587
All other shares:
4,889
Money Market Shares:
398
Net Income (unless the amount is already included in Undivided Earnings):
446,829
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
8,817,625
Total Liabilities:
88,481,909
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About The Local Credit UnionIs a member application needed to join The Local Credit Union?Yes, to access services at The Local Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, The Local Credit Union provides a range of mortgage and home equity products. Is The Local Credit Union a safe place to deposit money?Yes, The Local Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does The Local Credit Union offer online and mobile banking?Most modern institutions like The Local Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.05%, 6-month CD rates at 2.95% and 3-month CD rates at 0.24%. Savings rates are at 0.20% and money market rates are at 0.71%. Mortgage rates on 30-year fixed loans are around 6.59%. Credit Card rates are at 8.90%. Personal Loan rates are at 10.49%. All these rates, and more, can be found in our database of rates which you can compare to 
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