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We have encountered an error attempting to initialize payment processing. Your application has been successfully submitted. A representative will reach out to you to complete the funding of your account.
A minimum deposit of $0 in your Share Savings Account is required to fund your Secured Credit Card. Please enter the amount that you wish to deposit and secure on your new card.
Review and Submit
Branch Selection
Credit Card Information
Additional Loan Information
Applicant Information
Applicant Contact Information
Address (No Special Characters)
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
Additional Applicant Information
Additional Applicant Contact Information
Additional Applicant Address
Additional Applicant Identification
Additional Applicant Secondary Identification
Additional Applicant Financial Information
Additional Applicant Previous Employment Information
Additional Information
Additional Applicant Additional Information
Eligibility
Because membership is required to take advantage of this wonderful loan product, please tell us how you qualify for membership.
Through which organization are you eligible for Credit Union Membership?
What is your affiliation with your selected organization?
Select at least one of the following products required for membership
Share Savings
Your ownership share in the Credit Union. A basic savings account funded on your behalf by HFCU with a $5 opening deposit.
Min Deposit: $5.00Max Deposit: $5.00
You may select one of the following products
Available Products
APY (Annual Percentage Yield)
Your Selected Products
Please answer the following question(s)
Choose your affiliation with the Harvard University*
Department/School*
Class Year (If not applicable, please enter N/A.)*
Degree (If not applicable, please enter N/A.)*
Would you like to automatically be enrolled in E-Statements?*
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
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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
This modal is for testing the Apple Pay workflow only. It will not be displayed to the applicants. Press the Success button to simulate a successful Apple Pay transaction. Press the Fail button to simulate an unsuccessful Apple Pay transaction.
We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.
In a joint application, the system merges the credit reports. Financial debts, income, and assets from both applicants are considered in the underwriting and approval process.
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.
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.
The total amount to be deposited for a product type cannot exceed the limit defined in the following table. Please adjust the deposit amount for your requested products so they do not exceed the limit.
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