Credit Card Application 

There are costs associated with the use of a credit card. Inforamtion about costs, rates, and fees may be contained in disclosures provided upon request. 

Check below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.

 

Individual Credit: You must complete the Applicant section about yourself and the other section about your spouse if:

1) you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI)

2) your spouse will use the account, or

3) you are relying on your spouses income as a basis for repament. If you are relying oon income from alimony, child support, or separate maintenance, complete the Other section the extent possible about the person on whose payments you are relying. 

 

Joint Credit: Each Applicant must individually complete appropriate section below. If Co-Borrower  is spouse of the Applicant, mark the Co-Applicant box.

If this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit sign below: (By typing your name below you are acknowledging that this is considered an electronic signature and is legally binding)

Primary Applicant Section:

Primary Applicant Employment/Income:

Notice: Alimony, Child Support, or Separate Maintenance Income need not be revealed if you do not choose to have it considered.

Other Section:

Co-Applicant Employment/Income:

Notice: Alimony, Child Support, or Separate Maintenance Income need not be revealed if you do not choose to have it considered.

State Law Notice(s)

Notice to Nebraska Residents: A credit agreement must be in writing to be enforced under Nebraska law. To protect you and us from any misunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial accommodation in connection with this loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution for any or all of the terms or provisions of any instrument or document executed in connection with this loan of money, or grant or extension of credit, must be in writing to be effective.

Notice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. New York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditiors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Wisconsin Residents: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is funished a copy of the agreement, statement or decree, or has actual knowled of its terms, before the credit is granted or the account is opened. (2) please sign if you are not applying for this account or loan with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family or the undersigned.

 

By typing your name below you are acknowledging that this is considered an electronic signature and is legally binding.

Consensual Security Interest

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 are deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest you have given in your shares and deposits. You may withdral these other shares unless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example, if you have an unpaid credi card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance. By signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition for the credit card and you inted to grant a security interest. You acknowledge and agree that your pledge does not apply during any periods when you are a covered borrower under the Military Lending Act. For clarity, you will not be deemed a covered borrower, and your pledge will apply, if: (i) you become obligated on a credit transaction or establish an account for credit when you are not a covered borrower; or (ii) you cease to be a covered borrower. 

 

By typing your name below you are acknowledging that this is considered an electronic signature and is legally binding.

Signatures

By signing or otherwise authenticating below:

1) 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, increse, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. 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. It is a crime to willfully and deliberately provide incomplete or incorrect information in this application.

2) You understand that the use of your card will constitute acknowledgement of receipt and agreement to the terms of the Consumer Credit Card Agreement and Disclosure.

By typing your name below you are acknowledging that this is considered an electronic signature and is legally binding.