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Home Equity Loan Information
Home Equity Loan
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Applicant Information
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Demographic Information
Why we collect demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
Sex (select all that apply)
Ethnicity(select all that apply)
Race (select all that apply)
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To speed up the process, you may take an image of the Back of your US Driver License. If you do not wish to use the feature, simply click Next below to continue entering your informaiton or click next to proceed.
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Co/Joint Applicant Information
About Your Additional Applicant
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Contact Information
Current Address
Identification
Financial Information
Monthly Expenses
Demographic Information
Why we collect demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
Sex (select all that apply)
Ethnicity(select all that apply)
Race (select all that apply)
To speed up the process, you may take an image of the Back of your US Driver License. If you do not wish to use the feature, simply click Next below to continue entering your informaiton or click next to proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Review and Submit
Review and Submit
Home Equity Loan Information
Additional Loan Information
Applicant Information
Applicant Contact Information
Address
Property Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
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?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 AND AGREE TO THE DISCLOSURES/AGREEMENTS SET IN THE LINKS BELOW AND YOU SIGN AND SUBMIT YOUR APPLICATION BY CLICKING THE “I AGREE” BUTTON BELOW.
By clicking on "I agree", you authorize us to verify the information you submitted and to 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.
Each person signing/clicking the “I Agree” button below applies for membership in Corning Federal Credit Union. The accounts I (we) open at and the services I (we) receive from the Credit Union will be governed by the provisions of this application, the Member Service Disclosures and Credit Union Bylaws, as amended from time to time, and I (we) agree to the terms and conditions as stated in those documents.
Each person signing/clicking the “I Agree” button below understands that each account will be governed by the "Joint Account Ownership" section of the Member Service Disclosures. All subaccounts of our joint share account must be joint. We will own the share account and all subaccounts as "joint tenants with right of survivorship" regardless of whose funds are deposited in the account and regardless of who deposits the funds in the account. Any person on the account acting alone can open a joint subaccount and request Credit Union services in the names of all owners of the joint account. Any one of us acting alone shall have the right to draw on the accounts, without limit, and may pledge all or part of the share in our joint share accounts and subaccounts as collateral security for a loan or loans from the Credit Union. In case of death of either or any of us, the survivor or survivors shall be the sole owner or owners of the entire account subject to any applicable legal claims on the decedent's share of the funds. The Credit Union shall send all notices and account statements only to the Prime Member's address. If this application is for joint accounts/services with a minor, the adult joint member(s) understand that the accounts/services are governed by the "Accounts Owned Jointly by Adults and Minors" section of the Member Service Disclosures and I (we) agree to the terms and conditions stated. If Corning Credit Union we determine that you have supplied false or misleading information on this application, this application will be deemed void.
Certification as to Taxpayer Identification Number and Backup Withholding Instruction to Prime Member:
If you have been notified by the Internal Revenue Service (IRS) that you are subject to backup withholding due to payee underreporting and you have not received a notice from the IRS that the backup withholding has been terminated, you must strike out the language in clause 2 below.
Certification as to Taxpayer Identification Number and Backup Withholding:
Under penalties of perjury, I certify that (1) the number shown on this form is my correct taxpayer identification number; and (2) I am not subject to backup withholding either because (a) I am exempt from backup withholding, or (b) I have not been notified by the IRS that I am subject to backup withholding as a result of failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding; and (3) I am a U.S. person (including U.S. alien); and (4) the FATCA Exemption code is not applicable as this account will be held and maintained within the U.S.
THE INTERNAL REVENUE SERVICE DOES NOT REQUIRE YOUR CONSENT TO ANY PROVISION OF THIS DOCUMENT OTHER THAN CERTIFICATIONS REQUIRED TO AVOID BACKUP WITHHOLDING.
Email Agreements & Disclosures
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
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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Unfortunately, we are unable to submit your application unless you select "I Agree" on the previous screen. If you prefer to complete your application with a representative, please stop into one of our offices or call 800-677-8506 and we'll be happy 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.
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