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Home Equity Loan Information

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Home Equity Loan
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Home Equity Line of Credit
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Current Mortgage
2nd Mortgage (if applicable)

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Applicant Information

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Tell Us About Yourself
Personal Information
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Reference Information
Contact Information
Current Physical Address
Property Address
Identification
Financial Information


Monthly Expenses


Expected Monthly Expense

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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Co/Joint Applicant Information

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About Your Additional Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Reference Information
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)

Review and Submit

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Review and Submit
Home Equity Loan Information
Additional Loan Information
Applicant Information
Reference Information
Applicant Contact Information
Address
Property 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.

I'm eligible to join because I
If I am not approved for the above loan product,
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Required Products
Select the following products required for membership
Savings

APY: 0.09% Min Deposit: $5.00


In addition, select one of the following products
Available Products
Simply Checking

Everything you need - for free! This checking program features no monthly fee, no minimum balance requirement, a free Visa debit card for easy access wherever you shop or pay, and automatic overdraft protection from your savings account.

Min Deposit: $0.00

Simply Elite Checking

With Simply Elite Checking, you gain access to exclusive discounts on everyday purchases, our comprehensive identity theft protection, tiered interest rates, and more. Plus all the perks of Simply Checking! Low monthly cost of $4.95 with $1 of the cost donated to the Skyla Foundation!

APY: 0.50% Min Deposit: $0.00

Money Market

Money making horsepower with greater accessibility. Money Market accounts are ideal for customers who maintain higher account balances but prefer anytime access.

Max APY: 2.00% Min Deposit: $1,000.00

6 Month CD

APY: 2.25% Min Deposit: $500.00

1 Year CD

APY: 2.35% Min Deposit: $500.00

18 Month CD

APY: 2.45% Min Deposit: $500.00

2 Year CD

APY: 2.55% Min Deposit: $500.00

3 Year CD

APY: 2.65% Min Deposit: $500.00

4 Year CD

APY: 2.85% Min Deposit: $500.00

5 Year CD

APY: 4.00% Min Deposit: $500.00

6 Month Jumbo CD

APY: 2.40% Min Deposit: $50,000.00

1 Year Jumbo CD

APY: 2.50% Min Deposit: $50,000.00

18 Month Jumbo CD

APY: 4.75% Min Deposit: $50,000.00

2 Year Jumbo CD

APY: 2.70% Min Deposit: $50,000.00

3 Year Jumbo CD

APY: 2.80% Min Deposit: $50,000.00

15 Month Promotional CD

APY: 4.50% Min Deposit: $500.00

21 Month Promotional CD

APY: 4.75% Min Deposit: $500.00

Senior CD "50+"

APY: 4.75% Min Deposit: $500.00

Senior Jumbo CD "50+"

APY: 4.75% Min Deposit: $50,000.00

Holiday Savings

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APY: 0.05% Min Deposit: $10.00

APY (Annual Percentage Yield)
Funding

Your funds will not be transferred until all of your accounts are approved.

How much do you want to deposit?
A minimum deposit of $0 in your Account is required to fund your Secured Credit Card. Please enter the amount that you wish to deposit and secure on your new card.

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If you have a promo code, please enter it here.
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We may be able to save you money on auto, home, or life insurance. Would you like a free quote?
For a joint account with rights of survivorship, upon the death of one (1) of the owners, the money remaining in the account will belong to the surviving owner(s). For a joint account without rights of survivorship, the deceased owner’s interest passes to his or her estate. A surviving owner’s interest is subject to the credit union’s statutory lien for the deceased owner’s obligations, and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it.*
Under penalties of perjury, I certify that; (1) The number shown on this application is my correct taxpayer identification number, (2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (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 US citizen (including a US resident alien).Note: If you are subject to backup withholding 28% of interest paid will be sent to the IRS. *
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 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.

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