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MARRIED APPLICANTS may apply for a separate account. A Credit Union may only extend direct credit to a member. Any Joint applicant for credit will be considered a guarantor or co-signer if such person is not a credit union member. A Primary Share Account is Required For Individual Credit Loans. Check the type of credit account you wish to apply for.*

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By signing below you agree to be bound by the Terms and Conditions of this Agreement. You acknowledge receiving a copy of and reading the Line of Credit Agreement and Disclosure. You further acknowledge and agree that you give the Credit Union a consensual security interest in the shares you have in all individual and joint accounts you have with the Credit Union, now and in the future (other than those accounts that would have an adverse tax consequence if pledged as collateral), to secure repayment of amounts you owe to the extent of any unpaid balance on your Account. Negative Information Notice: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may reflect in your credit report.
CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THIS CONTRACT BEFORE YOU SIGN IT.

Group credit insurance is voluntary and not a requirement of your loan. Group Credit Insurance is not applicable to credit cards. Group Credit Insurance is not applicable to Guarantors. Assuming your application for credit is approved and you are eligible for insurance, the Credit Union will disclose its total cost to you. You will also be asked to sign the request for coverage contained on the Personal Loan Plan Note, Security Agreement and Truth-In-Lending Disclosure form. Indicate which credit insurance option(s) you desire:*

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.

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 applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.