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Declaration
1. Have you ever been declared bankrupt or filed a petition for chapter 7 or 13?
2. Have you ever had any auto, furniture or property repossessed?
3. Have you any obligations not listed?
4. Do you have any past due bills?
5. Are you a Co-maker, Co-signer or Guarantor on any loan?
6. Have you ever had credit in any other name?
7. Is Your Income Likely to Decline in the next two years?
8. Have you any suits pending, judgments filed, alimony or support awards against you?
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Funding
Your funds will not be transferred until all of your accounts are approved.
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Branch Selection
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Additional Loan Information
Applicant Information
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Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
Eligibility
Because membership is required to take advantage of this wonderful loan product, please tell us how you qualify for membership.
Please select if you Live, Work, Worship, or Attend School in Michigan
Please select one:
My immediate family member is a member of OUR Credit Union.
Family Member Name:
I am the spouse of a deceased member and not remarried.
Deceased Member Name:
If I am not approved for the above loan product,
Required Products
Select at least one of the following products required for membership
Savings
A minimum balance of $5 allows you to enjoy all the benefits we have to offer. By maintaining this balance you are an official owner of our not-for-profit cooperative. Dividends are paid monthly to accounts with a minimum daily balance of $100. This account is required for all member-owners of the credit union.
Min Deposit: $5.00
You may select one of the following products
Available Products
MONEY MARKET
Our Money Market Account gives you a higher rate of dividends while still having frequent access to your funds. •Tiered variable rates (APY 0.05 to 0.50)*. •$2,500 minimum balance* •Make up to six withdrawals a month •Free checks for your account •Dividends calculated on the daily balance and paid monthly •Monthly statements *If your account falls below the $2,500 minimum balance, it becomes non-dividend bearing for each day the minimum balance is not maintained. There is no other penalty for going below $2,500.
APY: 0.05%
Basic Checking
Min Deposit: $20.00
Teen Checking
Min Deposit: $20.00
Premium Checking
APY: 5.43% Min Deposit: $20.00
6 Month Certificate
Penalties for early withdrawal of funds apply
Min Deposit: $500.00
12 Month Certificate
Penalties for early withdrawal of funds apply
Min Deposit: $500.00
18 Month Certificate
Penalties for early withdrawal of funds apply
Min Deposit: $500.00
24 Month Certificate
Penalties for early withdrawal of funds apply
Min Deposit: $500.00
36 Month Certificate
Penalties for early withdrawal of funds apply
Min Deposit: $500.00
48 Month Certificate
Penalties for early withdrawal of funds apply
Min Deposit: $500.00
60 Month Certificate
Penalties for early withdrawal of funds apply
Min Deposit: $500.00
Side Share Savings
Side shares are just like regular savings accounts that are attached to your primary number. You can open one or more depending on your need and transfer money in person or via Online Banking. Set up nick names for your specific savings needs and even set up automatic deposits through Online Banking.
APY: 0.05%
Holiday Savings
To avoid a "Holiday Hangover" with the credit card bills - start saving now. OUR Credit Union provides an account designed to help you save for the holiday season. Terms are the same as our basic Savings Account, however the balance of this account will be transferred to your Savings Account on November 1st of each year, ready for you to shop. Make savings even easier by signing up for payroll deduction or set up an automatic transfer through Online Banking.
APY: 0.05%
APY (Annual Percentage Yield)
Your Selected Products
Please answer the following question(s)
How did you hear about OUR CU?*
What limit are you applying for?*
Would you like for us to process any balance transfers from other credit card accounts?*
Are you a U.S. citizen?*
Do you have a Green Card?*
The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding. By signing below, I certify under penalties of perjury that: (i) I am a US citizen or other US person, (ii) the Social Security number (SSN) Taxpayer Identification Number (TIN) shown is my correct identification number and (iii) I am NOT, unless designated below, subject to backup withholding as a result of a failure to report all dividends or interest, or because the IRS has notified me that I am no longer subject to backup withholding.*
Have you been in the U.S. at least 31 days this year?*
You are a Non-resident Alien.*
Will you be in the U.S. 183 days during the 3 year period that includes the current year and the past 2 years?*
The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding. By signing below, I certify under penalties of perjury that: (i) I am a US citizen or other US person, (ii) the Social Security number (SSN) Taxpayer Identification Number (TIN) shown is my correct identification number and (iii) I am NOT, unless designated below, subject to backup withholding as a result of a failure to report all dividends or interest, or because the IRS has notified me that I am no longer subject to backup withholding.*
You are a Non-resident Alien.*
The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding. By signing below, I certify under penalties of perjury that: (i) I am a US citizen or other US person, (ii) the Social Security number (SSN) Taxpayer Identification Number (TIN) shown is my correct identification number and (iii) I am NOT, unless designated below, subject to backup withholding as a result of a failure to report all dividends or interest, or because the IRS has notified me that I am no longer subject to backup withholding.*
Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?Read, Sign and Submit
Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.
You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
Email Agreements & Disclosures
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
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Additional Applicant Information
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About Your Additional Applicant
SSN IconLock
SSN IconQuestion
Reference Information
Contact Information
Current Physical Address
Identification
Financial Information
Monthly Expenses
Upload Documents
Please upload images and documents here.
Co/Joint Declarations
1. Have you ever been declared bankrupt or filed a petition for chapter 7 or 13?
2. Have you ever had any auto, furniture or property repossessed?
3. Have you any obligations not listed?
4. Do you have any past due bills?
5. Are you a Co-maker, Co-signer or Guarantor on any loan?
6. Have you ever had credit in any other name?
7. Is Your Income Likely to Decline in the next two years?
8. Have you any suits pending, judgments filed, alimony or support awards against you?
Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Authorized User Information
Authorized Users
Authorized users can make purchases with the card. However, they are not the primary account holder and cannot make changes
to the account, such as requesting a credit increase or adding more authorized users. Primary account holders are responsible
for the repayment of all debts on the account, including all transactions made by authorized users.
Application Completed
Error
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Notification
Loan Submission Cancelled
We're sorry you have declined to use our automated prequalification system. If you prefer, please come to our offices to apply or call our Consumer Loan Department and a loan representative will be happily ready to assist you.
If you decide you would like to go through our instant decision process, please click on the following link to return to your application summary page and submit the application for decisioning.