LOC Federal Credit Union Partnership

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Help teach your student the value of saving with LOC!
Hutchings Elementary In-school Credit Union 2017-2018 opening day October 20, 2017

In 1995, LOC Federal Credit Union opened its first student-run credit union in Farmington Hills. Today, LOC is a proud partner with Farmington Public Schools, Hartland Consolidated Schools, and the Howell Public School District and operates 21 in-school branches. Our in-school program and this community partnership strengthen student advancement as a result of exposure to positive community role models. 

LOC Federal Credit Union will operate a full-service, student-run branch at Hutchings. Our student-run credit unions are managed by students with the supervision of an LOC employee. Student employees gain hands-on experience on how to run a branch, and they perform duties of the various positions available at a financial institution. They are also taught real-life work skills, such as

• Resume writing and interviewing techniques
• Professionalism and 
team work
• Development of responsibility and leadership skills 
• Increased student confidence
• Counting money efficiently 
• Financial education classroom presentations
• Importance of having healthy savings habits
• Interpersonal and communication skills
• Increased math skills and more

Not only does this program teach valuable skills to students 
working the credit union, but this also gives all students real-life lessons in savings and finance.

All students, staff, and parents at Hutchings are eligible to open an LOC account through the student-run credit union. The Hutchings Credit Union is open Friday mornings from 11:15 a.m. – 11:45 a.m. and operates under the direction of Stephanie Cole, Youth & Community Development Coordinator at LOC.

To open an account, access the links below. Print and complete an application and return to Ms. Cole on Fridays from 11:15 a.m. – 11:45 a.m. or go directly to LOC’s website to apply for an account online.

Account Application
Parent Question and Answers

For a full list of student-run branch locations and operational hours, visit 

For additional information or with further questions, contact:
Stephanie Cole, Youth & Community Development Coordinator at LOC