THIS IS A SECURE DOCUMENT

 

Please Enter Your Email Address:

This is an individual credit request based on the creditworthiness of the below applicant only.
This is a joint credit request based upon creditworthiness of both applicants listed below.
     Both applicants intend to sign the loan documents and both will accept responsibility for
     repayment of the loan. Both applicants are aware of this election.

If you are applying for joint credit, secured credit or if you live in a community property state (AZ,CA,ID,LA,NM,NV,TX,WA), please complete the following:
Married Separated Unmarried (Single, Divorced, Widowed)

Amount applied for $
Purpose:

COLLATERAL

Year: Make: Model:
Other:

Would you like Payroll Deduction (if available): Yes No

Would you like to purchase Credit Disability Insurance: Yes No
Would you like to purchase Credit Life Insurance: Single Credit Life Joint Credit Life
If yes, additional information will be mailed or faxed to you.

Applicant:

Name:
Driver's License #:
Account #:
Social Security #:
Birthdate (MM/DD/YY):
Home Phone #:
Employer Phone #:

Present Address:
Street:
City:
State & Zip:
Housing: Own Rent - No. Years:
If less than 2 yrs enter previous address:

Employer Name/Division:

Employer Address:

Position:
Date Hired (MM/DD/YY):

Complete if current is less than 5 years:
Previous Employers Name:
Position:
Yrs Employed:

Nearest Relative Outside of Household:
Name:
Address & Phone:

Nearest Friend Outside of Household:
Name:
Address & Phone:

Note: Alimony, child support, or seperate maintenance income need not be revealed if you do not wish to have it considered as basis for repaying this obligation.

Yearly Gross$
Monthly Net $
Pay Frequency: Weekly Bi-weekly Semi-monthly Monthly
Additional Income: $ per

Joint Applicant:

Name:
Driver's License #:
Account #:
Social Security #:
Birthdate (MM/DD/YY):
Home Phone #:
Employer Phone #:

Present Address:
Street:
City:
State & Zip:
Housing: Own Rent - No. Years:
If less than 2 yrs enter previous address:

Employer Name/Division:

Employer Address:

Position:
Date Hired (MM/DD/YY):

Complete if current is less than 5 years:
Previous Employers Name:
Position:
Yrs Employed:

Nearest Relative Outside of Household:
Name:
Address & Phone:

Nearest Friend Outside of Household:
Name:
Address & Phone:

Note: Alimony, child support, or seperate maintenance income need not be revealed if you do not wish to have it considered as basis for repaying this obligation.

Yearly Gross$
Monthly Net $
Pay Frequency: Weekly Bi-weekly Semi-monthly Monthly
Additional Income: $ per

 

Asset Information

Applicant
Type Description Amount/Value
Checking Acct
Savings Acct
Home>
2nd Home
Vehicle
Vehicle
Other
Other
Joint Applicant
Type Description Amount/Value
Checking Acct
Savings Acct
Home
2nd Home
Vehicle
Vehicle
Other
Other

LIST ALL DEBTS i.e. CAR LOANS, BANK LOANS, CREDIT CARDS,
HOUSING EXPENSE (mortgage or rent), ETC.
Credit Information - Outstanding Debts
Creditor Monthly
Payment
Balance
Owed
Creditor Monthly
Payment
Balance
Owed

Applicant Joint Applicant
Do you have any outstanding judgements? Yes No Yes No
Have you ever filed for bankruptcy or had a debt adjustment plan confirmed under chapter 13? Yes No Yes No
Have you ever had property foreclosed upon or repossessed in the last 7 years? Yes No Yes No
Are you a party in a lawsuit? Yes No Yes No
Are you other than a U.S. citizen or permanent resident alien? Yes No Yes No
Is your income likely to decline in the next two years? Yes No Yes No
Are you a co-maker, co-signer or guarantor on any loan not listed above? Yes No Yes No
For whom? (Name of other person)
To whom? (Name of Creditor)

If there are any important changes, you will notify us in writing immediately. You also agree to notify us of any change in your name, address or employment within a reasonable time thereafter. You also promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of all your debts and obligations. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or extension of the credit received. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information on a loan applications made to Federal Credit Unions or State Chartered Credit Unions insured by NCUA.

By pressing the "Send Application" button below, you agree to the above statement. You understand that we may require your signature on additional documents prior to disbursing any credit proceeds.

In order to expedite the processing of your loan application please fax your paystub copies to (810) 767-5806, Attention: Loan Department. Thank you.

VISA Credit Card Disclosure
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases

13.90%

APR for Cash Advances 13.90%
APR for Balance Transfers 13.90%
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Federal Reserve Board 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

Set-up and Maintenance Fees
• Annual Fee
• Account Set-up Fee

None
None
Transaction Fees
• Foreign Transaction Fee
None
Penalty Fees
• Late Payment Fee
• Returned Payment Fee
Up to $10.00
Up to $10.00
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." See your account Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

OTHER DISCLOSURES
Late Payment Fee up to $10.00 or the amount of the required minimum payment, whichever is less, if you are 30 days late in making a payment.
Returned Payment Fee up to $10.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $5.00
Document Copy Fee $5.00
Card Replacement Fee $5.00

Collection Costs. You promise to pay all costs of collecting the amount you owe under this Agreement to the extent permitted by state law.

Periodic Rates.

The Purchase APR is 13.90% which is a monthly periodic rate of 1.1583%
The Cash Advance APR is 13.90% which is a monthly periodic rate of 1.1583%
The Balance Transfer APR is 13.90% which is a monthly periodic rate of 1.1583%
 
Click Here For Full Credit Agreement Disclosure