Home Loans

Leave me blank for Loan Application.

Married Applicants may apply for a separate account. Check the appropriate box to indicate Individual or Joint. *

Who is applying for credit?

Individual Credit: Complete Applicant sections if only the applicant's income is considered for loan approval. Complete Applicant and Other sections: (1) if you are relying on income from alimony, child support, or separate maintenance or on the income or assets of another person as the basis for repayment of credit requested, or; (2) if you reside in a Community Property State, or; (3) if you are relying on property located in a Community Property State as a basis for repayment of the credit requested. Community Property States include: AK, AZ, CA, ID, LA, NM, NV, TX, WA, and WI.

Joint Credit - with your spouse: Complete Applicant and Applicant Spouse sections if your spouse will be contractually liable for repayment of the loan and sign the following: We intend to apply for joint credit.

Joint Credit - with another applicant who is not your spouse: Each of you must complete the Applicant sections on separate applications and sign the following: I intend to apply for joint credit with:

Applicant

Applicant Spouse

If both you and your spouse are Wisconsin residents, include information about your spouse in the Non-Applicant Spouse section.

PLEASE CHECK BELOW TO INDICATE THE TYPE OF ACCOUNT(S) FOR WHICH YOU ARE APPLYING. *

Loan:

Type of Loan Credit Applying For * Individual Joint

Amount/Credit Limit Requested $ * Purpose * Collateral

APPLICANT Name (Last - First - Initial) *

Account Number

Social Security Number (last 4 digits) *

Mother's Maiden Name

E-Mail Address

Cell Number *

Birth Date *

Home Phone *

Business Phone/Ext.

Present Address (Street - City - State - Zip) *

Present Home Ownership Status * Own * Rent *

Years/Months at this Address * Previous address if present address is less than 2 years

Previous Home Ownership Status Own Rent

Years/Months at this Address

Please complete the following Marital Status question only if you are applying for joint credit, secured credit, or if you live in a community property state.

Marital Status * Married * Separated * Unmarried (Single - Divorced - Widowed) *

APPLICANT SPOUSE/NON-APPLICANT SPOUSE APPLICATION

Second Applicant Type Applicant Spouse Non-Applicant Spouse Other

Name (Last - First - Initial) *

Account Number

Social Security Number (last 4 digits) *

Mother's Maiden Name

E-Mail Address

Cell Number *

Birth Date *

Home Phone *

Business Phone/Ext.

Present Address (Street - City - State - Zip) *

Present Home Ownership Status * Own * Rent *

Years/Months at this Address * Previous address if present address is less than 2 years

Previous Home Ownership Status * Own Rent

Years/Months at this Address

Please complete only if you are applying for joint credit, secured credit, or if you live in a community property state.

Marital Status Married * Separated * Unmarried (Single - Divorced - Widowed) *

APPLICANT: EMPLOYMENT/INCOME Name and Address of Employer

Years Employed

Position

Employment Income (Net) $

Per

OTHER INCOME NOTICE: Alimony, child support, or separate maintenance income need not to be revealed if you do not choose to have it considered.

Other Income #1

Per

Source

Other Income #2

Per

Source

Other Income #3

Per

Source

Previous Employer Name and Address if Employed Less than 2 years

Starting Date

Ending Date

APPLICANT SPOUSE/NON-APPLICANT SPOUSE: EMPLOYMENT/INCOME Name and Address of Employer

Years Employed

Position

Employment Income (Net) $

Per

OTHER INCOME NOTICE: Alimony, child support, or separate maintenance income need not to be revealed if you do not choose to have it considered.

Other Income #1

Per

Source

Other Income #2

Per

Source

Other Income #3

Per

Source

Previous Employer Name and Address if Employed Less Than 2 Years

Starting Date

Ending Date

REFERENCES Name and Address of Nearest Relative Not Living with You

Relationship

Home Number

OTHER INFORMATION ABOUT YOU

If you answer “Yes” to any questions other than #1, please explain.

Applicant

1. Are you a U.S. Citizen or Permanent Resident Alien?

Yes No

2. Do you currently have any outstanding judgements or have you ever filed for Bankruptcy, had a debt adjustment plan confirmed under chapter 13, had property foreclosed upon or repossessed in the last 7 years, or been a party in a lawsuit?

Yes No

3. Is your income likely to decline in the next two years?

Yes No

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

Yes No

For Whom (Name of Others Obligated on Loan)

To Whom (Name of Creditor)

Other Applicant

1. Are you a U.S. Citizen or Permanent Resident Alien?

Yes No

3. Is your income likely to decline in the next two years?

Yes No

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

Yes No

For Whom (Name of others obligated on Loan)

To Whom (Name of Creditor)

STATE NOTICES

WISCONSIN RESIDENTS: Marital Status

Married Unmarried Legally Separated

If married: the Name of your Spouse

Spouse's SSN (last 4 digits)

Spouse's Address (if different)

NOTICE: 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 furnished a copy of the agreement, statement or decree, or has actual knowledge of its terms, before the credit is granted or the account is opened.

MARRIED WISCONSIN RESIDENTS APPLYING FOR AN INDIVIDUAL ACCOUNT: By submitting this application, I state that the credit being applied for, if granted, will be incurred in the interest of the marriage or family of the Borrower(s).

ASSETS

(LIST ALL ASSETS OF APPLICANT AND APPLICANT SPOUSE/NON-APPLICANT SPOUSE/OTHER, IF APPLICABLE)

Applicant

Checking Amount $

Name and address of Financial Institution

Savings Amount $

Name and address of Financial Institution

Co-Applicant/Non-Applicant Spouse/Other/Guarantor

Checking Amount $

Name and address of Financial Institution

Savings Amount $

Name and address of Financial Institution

Applicant

Other Assets #1

Description (Auto, Stock, Etc.) 1

Market Value 1 $

Outstanding Loan Balance 1 $

Other Assets #2

Description (Auto, Stock, Etc.) 2

Market Value 2 $

Outstanding Loan Balance 2 $

+ Add additional Description

Market Value Total $

Outstanding Loan Balance Total $

DEBTS

LIST ALL DEBTS OF APPLICANT AND APPLICANT SPOUSE/NON-APPLICANT/OTHER, IF APPLICABLE.

Creditor #1 Name and Address of Creditor

Account Number

Original Amount $

Present Balance $

Monthly Payment $

Creditor #2 Name and Address of Creditor 2

Account Number 2

Original Amount 2 $

Present Balance 2 $

Monthly Payment 2 $

List Alimony, Child Support or Child Care Paid Monthly List Other Name(s) under which you have received credit

+ Add additional Debts

Original Amount Total $

Present Balance Total $

Monthly Payment Total $

PLEASE READ BEFORE SIGNING

All the information in this application is true. I understand that section 1014 Title 18 U.S. Code makes it a federal crime to knowingly make a false statement on this application. You have my permission to check it. You may retain this application even if not approved. I understand that you may receive information from others about my credit and you may answer questions and requests from others seeking credit or experience information about me or my accounts with you. If this application is approved, I agree to honor the provisions of the credit or loan agreement and security agreement or credit card agreement covering my account or loan. (If this application is for two of us, this statement applies to both of us.)

Consumer and Credit Report Authorization: By signing this Application, I authorize you to obtain my consumer and/or credit report for the purposes of evaluating this application and my eligibility for credit union products and services, and to obtain subsequent credit reports on an on-going basis in connection with this transaction, and for all other legitimate purposes, such as reviewing my accounts or taking collection action on the account. I authorize you to receive and review other information about me, such as my employment and income information, from third-parties or consumer reporting agencies.

Permission to contact: By providing a wireless telephone number (i.e. cell phone), I consent to receiving calls, including autodialed and prerecorded message calls, from the credit union or its third party debt collector at that number.

IMPORTANT NOTICE ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for me: When I open an account, you will ask for my name, address, date of birth, and other information that will allow you to identify me. You may also ask to see my driver's license or other identifying information.

Signature of Applicant *

Date of Applicant Signature*

Signature of Co-Applicant *

Date of Co-Applicant Signature *

HAVE YOU OMITTED ANYTHING? REMEMBER: INCOMPLETE APPLICATIONS CANNOT BE PROCESSED.

ADDITIONAL COMMENTS

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* Required Fields

Credit Card Application

Leave me blank for Credit Card Application.

Application and Solicitation Disclosure

Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases	9.40%
APR for Cash Advances	9.40%
APR for Balance Transfers	9.40%
Penalty APR and when it applies	None
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 Fee	None
Transaction Fees	Balance Transfer Fee	None
	Cash Advance Fee	None
	-Foreign Transaction Fee	1.00% of each transaction in U.S. dollars
Penalty Fees	Late Payment Fee	Up to $20.00
	Over the Credit Limit Fee	Up to $20.00 (if applicable)
	Returned Payment Fee	Up to $15.00

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See your account Agreement for more details.

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

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

OTHER FEES AND DISCLOSURE
Late Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Over-the-Credit Limit Fee: $20.00 or the amount of the transaction exceeding your approved credit limit, whichever is less
Returned Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less.
Rush Fee - $30.00
Statement Copy Fee - $5.00

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

Type of Credit

INDIVIDUAL CREDIT *

You must complete the Applicant section about yourself and the Other section about your spouse if:

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),
Your spouse will use the account, or
You are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to 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.

Credit Limit Requested $ *

Guarantor: Complete the Other section if you are a guarantor on an account/loan.

APPLICANT Name (Last - First - Initial) *

Account Number

Social Security Number (last 4 digits) *

Driver's License Number

State

Email Address

Birth Date *

Home Phone *

Business Phone/Ext.

Present Address (Street - City - State - Zip) *

Status of Current Residence Own * Rent *

Length at Residence *

Mortgage/Rent Owed To

Mortgage Balance $

Monthly Payment $

Interest Rate %

Complete for Joint Credit, secured credit or if you live in a community property state:

Marital Status Married * Separated * Unmarried (Single - Divorced - Widowed) *

EMPLOYMENT/INCOME Start Date Name and Address of Employer

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

Employment Income Information

Employment Income $

Per

Is this income amount net or gross? Net Gross

Other Income Information

Other Income $

Per

Source

OTHER APPLICANT

Type of Secondary Applicant Co-Applicant Spouse Guarantor

Name (Last - First - Initial) *

Account Number

Social Security Number (last 4 digits) *

Driver's License Number

State

Email Address

Birth Date *

Home Phone *

Business Phone/Ext.

Present Address (Street - City - State - Zip) *

Status of Current Residence * Own * Rent *

Length at Residence *

Mortgage/Rent Owed To

Mortgage Balance $

Monthly Payment $

Interest Rate %

Complete for Joint Credit, secured credit or if you live in a community property state:

Marital Status * Married * Separated * Unmarried (Single - Divorced - Widowed) *

EMPLOYMENT/INCOME Start Date Name and Address of Employer

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

Employment Income Information

Employment Income $

Per

Is this income amount net or gross? Net Gross

Other Income Information

Other Income $

Per

Source

STATE LAW NOTICES

OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors 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.

FOR CALIFORNIA BORROWERS, the Visa Classic is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

WISCONSIN RESIDENTS ONLY: (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 furnished a copy of the agreement, statement or decree, or has actual knowledge 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 of the undersigned.

I am a Wisconsin resident and I agree to the statement above.

1. By submitting 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 understand that the Credit Union will rely on the information in this application and your credit report to make it's 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 federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA.

2. By submitting you understand that the use of your card will constitute acknowledgement of receipt and agreement to the terms of the credit card agreement and disclosures. 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. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. Shares and deposits in an 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 the security interest you have given in your shares and deposits.

Applicant signs

Applicant Signature *

Date *

Coapplicant signs

Other Signature *

Date *

* Required Fields

1ST COMMUNITY CREDIT UNION
VISA CONSUMER CREDIT CARD AGREEMENT

In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is part of the Agreement. In this Agreement the words “you”, “your”, and “yours” mean each and all of those who agree to be bound by this Agreement; “card” means the Visa credit card and any duplicates, renewals, or substitutions the Credit Union issues to you, “account” means your Visa credit card line-of-credit account with the Credit Union: and “Credit Union” means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement.

1. USING YOUR ACCOUNT If you are approved for an account, the Credit Union will establish a line of credit for you. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus “other charges”) which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or electronically (not withstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right to opt in to the Credit Union's program whereby it will honor advance requests over the credit limit. In the event you opt in to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal shall not contribute wrongful dishonor.

You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee imposed to stop a payment on a convenience check issued on your account. You agree to pay any fee imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately describe the check including the exact account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for sic (6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and expenses, including, attorney's fees, damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.

2. USING YOUR CARD You understand that the use of your credit card will constitute acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card. The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before youw ill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other financial institutions that accpet your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.

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PLEASE READ BEFORE SIGNING

Application and Solicitation Disclosure

STATE LAW NOTICES

1ST COMMUNITY CREDIT UNION VISA CONSUMER CREDIT CARD AGREEMENT

1ST COMMUNITY CREDIT UNION
VISA CONSUMER CREDIT CARD AGREEMENT