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Loan Information

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  • Protection that Matters

    These are voluntary products. Selecting these products will not influence your loan request. Upon enrolling in these voluntary products, your loan office will provide more information, including product exclusions, limitations and benefits.

    Would you like to ensure that your eligible loan balance is reduced or paid off for your family if you unexpectedly die or become disabled due to injury or illness?

    Tell me more

  • * If checked yes, voluntary insurance may be elected by signing a separate form, which discusses the cost of insurance. If I have attained age 65 or older, I am not eligible for credit insurance.

    Primary Applicant Information

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  • If less than 2 years at current address:

  • Employment Information

    Self Employed

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  • If employed for less than 2 years at your current job:

  • Additional Income

  • Outstanding Debts

  • Additional Debt Sources

  • Property Owned

    Home

  • Automobile #1

  • Automobile #2

  • References

  • Questions

    Do you have any outstanding judgments?*

  • Have you ever filed for bankruptcy or had a debt adjustment plan confirmed under Chapter 13? *

  • Have you had property foreclosed upon or repossessed in the last 7 years? *

  • Are you other than s U.S. Citizen or permanent resident alien? *

  • Is your income likely to decline in the next two years? *

  • Are you a co-maker, co-signer or guarantor on any loan not listed above? *

  • What is the monthly payment? *
  • Are you liable for alimony, child support or maintenance programs? *

  • What is the monthly payment? *
  • Any additional information to add

Co-Applicant Information

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  • If less than 2 years at current address:

  • Employment Information

    Self Employed

  • *
  • If employed for less than 2 years at your current job:

  • Additional Income

  • Outstanding Debts

  • Additional Debt Sources

  • Property Owned

    Home

  • Automobile #1

  • Automobile #2

  • References

  • Questions

    Do you have any outstanding judgments?*

  • Have you ever filed for bankruptcy or had a debt adjustment plan confirmed under Chapter 13? *

  • Have you had property foreclosed upon or repossessed in the last 7 years? *

  • Are you other than s U.S. Citizen or permanent resident alien? *

  • Is your income likely to decline in the next two years? *

  • Are you a co-maker, co-signer or guarantor on any loan not listed above? *

  • What is the monthly payment? *
  • Are you liable for alimony, child support or maintenance programs? *

  • What is the monthly payment? *
  • Any additional information to add

You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You authorize the Credit Union to verify or have reverification of any information contained in the application at any time. You understand that the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on the loan applications made to federal credit unions or state chartered credit unions insured by NCUA. You understand that the use of your card will constitute acknowledgement of receipt and agreement to the terms of the credit card agreement. A condition of your account is granting us a security interest in your share accounts. By signing below you grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure your credit card account. Shares and deposits in any Individual Retirement Account and any other account that would lose special tax treatment under state or federal law if given as security are not subject to this security interest. When you are in default we may apply the balance in these accounts to any amounts due under the credit card agreement.

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Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases Visa Classic 13.90%
Visa Platinum** 9.90%
APR for Balance Transfers Visa Classic 5.99%
Visa Platinum** 5.99%
APR for Cash Advances Visa Classic 14.90%
Visa Platinum** 14.90%
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fees
- Annual Fee None
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
None
None
1.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
Up to $20.00
Up to $25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Effective Date:
The information about the costs of the card described in this application is accurate as of April 1, 2016. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee $20.00 or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making a payment.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Rush Fee
Card Replacement Fee
$80.00 2nd day
$20.00

The information about the costs of the card described in this application is accurate as on 1/13. This information may have changed after that date. To find out what may have changed, call or write to us.

You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You authorize the Credit Union to verify or have reverification of any information contained in the application at any time. You understand that the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on the loan applications made to federal credit unions or state chartered credit unions insured by NCUA. You understand that the use of your card will constitute acknowledgement of receipt and agreement to the terms of the credit card agreement. A condition of your account is granting us a security interest in your share accounts. By signing below you grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure your credit card account. Shares and deposits in any Individual Retirement Account and any other account that would lose special tax treatment under state or federal law if given as security are not subject to this security interest. When you are in default we may apply the balance in these accounts to any amounts due under the credit card agreement.