Please complete these 3 quick steps to apply for a loan or credit card.

You must be a member of Westar FCU to obtain a loan or credit card. You’re eligible to join if you live, work, worship, or attend school in the towns of: Camillus, Elbridge, Geddes, Van Buren, Onondaga, Marcellus. Once a member, always a member.

Not a member? Join now.

Please note, upon completion of this form you will be contacted by a member of the credit union. You will be required to verify your identity in person by presenting your driver’s license. Individuals who are self employed, will additionally be required to provide prior years Federal income tax returns.

Type of Credit Applied For
(Which type should I choose?)

Choose Consumer for auto & motorcycle loans, RV's, boats, campers and travel trailer loans, personal unsecured loans, shared secured loans, other secured loans, and mobile home loans.

Choose Overdraft Protection/Line of Credit to protect you from overdrafts and from having transactions denied for non-sufficient funds. Having Overdraft Protection/Line of Credit gives you easy and convenient access to cash.

Choose Home Equity Line of Credit for a line of credit with a variable rate, secured by your home. Once the maximum loan limit is established, the homeowner may draw on the loan at his/her discretion for 10 years. At the end of the draw period, the borrower has 15 years to repay the loan in full.

Choose Home Equity for a one-time installment loan that is secured by your home and provides you with the ability to borrow a fixed dollar amount, at a fixed rate, with fixed monthly payments.

OPTIONAL CREDIT INSURANCE

Credit Life and/or Credit Disability Insurance are not required to obtain credit under this plan and will be included only if requested below by the APPLICANT(S). The insurance rates are shown below. If coverage is selected and you are eligible, you will be charged a premium and given a Certificate of Insurance from the Insurance Company, which provides the important terms of this coverage. Read it carefully. If you do not check “Yes” below, no coverage will be added nor in force.
MONTHLY PREMIUM RATES SHOWN BELOW PER $ 1,000.00 OF OUTSTANDING ACCOUNT BALANCE

Type of Insurance


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.