Yes, all consumer loans are available to our members who live and work in the U.S. However, mortgages loans are limited to property located in Michigan, Alabama Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Minnesota, Missouri, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Virginia, Washington, Wisconsin. Construction mortgage loans are available in Michigan and Illinois. SmartLine℠ Home Equity loans are available in Michigan, Illinois, Florida, Indiana, Ohio, and Wisconsin. Vacant land loans are available only in Michigan.