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Credit Card Information
Credit Card Information
Pre-approval Offer
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Enter desired credit limit
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What limit would you like to request for your VISA?*
Would you like to apply for the Visa Rewards or Visa Non-Rewards card?*
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Applicant Information
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Reference Information
Contact Information
Current Physical Address
Identification
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Monthly Expenses
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Please upload documents or images here. (ie. identification, Proof of income, Insurance binder, Purchase and Sale agreement, etc.)
Declaration
1. Have you ever filed for bankruptcy or had a debt adjustment plan confirmed under chapter 13 in the past 10 years?
2. Have you ever had any auto, furniture or property repossessed?
3. Are you a Co-maker, Co-signer or Guarantor on any loan?
4. Is Your Income Likely to Decline in the next two years?
5. Are you obligated to make Alimony, Support or Maintenance Payments?
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Funding later may delay account activation
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Funds Pending
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Almost Done
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Funding later may delay account activation
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* Use a dark background
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* Avoid glare
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Funding
Your funds will not be transferred until all of your accounts are approved.
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Funding Options
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Branch Selection
Credit Card Information
Additional Loan Information
Applicant Information
Reference Information
Applicant Contact Information
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.
If I am not approved for the above loan product,
Available Products
Primary Savings
Begin your HRCU membership by opening and maintaining this account! *Primary Savings is required to maintain a membership at HRCU, with no monthly maintenance charge.
APY: 0.05% Min Deposit: $5.00
Regular Checking
HRCU's regular checking account is a competitive, interest bearing account that provides you with access to a wide variety of convenient benefits and services.
APY: 0.10% Min Deposit: $100.00
Free Checking
With HRCU's Free Checking account you will have access to all the same competitive products and services that come with HRCU's Regular Checking PLUS the freedom of having no monthly low balance fee!
55+ Checking
For our Members 55 and older, we have designed a checking account with you and your needs in mind. The 55+ Checking Account has no monthly maintenance charges or minimum balance requirements with many other benefits to enjoy.
Hero Checking
HRCU values first responders, the military and veterans, that's why we have designed an account tailored to the needs of our Hero Members. Note; Proof of association will be required.
APY (Annual Percentage Yield)
Your Selected Products
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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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.
By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.
Additional Applicant Information
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Please upload documents or images here. (ie. identification, Proof of income, Insurance binder, Purchase and Sale agreement, etc.)
About Your Additional Applicant
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Reference Information
Contact Information
Current Physical Address
Identification
Financial Information
Monthly Expenses
Upload Documents
Please upload documents or images here. (ie. identification, Proof of income, Insurance binder, Purchase and Sale agreement, etc.)
Co/Joint Declarations
1. Have you ever filed for bankruptcy or had a debt adjustment plan confirmed under chapter 13 in the past 10 years?
2. Have you ever had any auto, furniture or property repossessed?
3. Are you a Co-maker, Co-signer or Guarantor on any loan?
4. Is Your Income Likely to Decline in the next two years?
5. Are you obligated to make Alimony, Support or Maintenance Payments?
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
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We encountered a problem and cannot process your application at this time.
Error: E-004
Error: E-004
Error
product limits exceeded for credit cards.
There was a problem with your request
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.