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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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^§Alimony, child support and separate maintenance income need not be revealed if you do not wish to have them considered as a basis for repaying this obligation.

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About Your Additional Applicant

Personal Information

Suffix (Jr., Sr., etc.)

SSN

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

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Address

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City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

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ID Number

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Financial Information

^§Alimony, child support and separate maintenance income need not be revealed if you do not wish to have them considered as a basis for repaying this obligation.

Gross Monthly Income (before taxes)

Add other income

Other Monthly Income

Other Monthly Income Tax Exempt?

Other Monthly Income Description

Employment Status

Monthly Expenses

Monthly Mortgage/Rent Payment

If you are new to the credit union, please upload a copy of your State or Federal issued ID.

For loans, you may upload a copy of your W2 or last month's pay stub to speed up the process.

Click or tap here to capture or upload an image or document.

Continue Or Go Back

Speed up your application process by taking the BACK image of your US driver's license.

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Eligibility

Because membership is required to take advantage of this wonderful loan product, please tell us how you qualify for membership.

I live, work, worship or attend school in a specific county. I

in .

I have immediate family that is an existing member of BHFCU. Their name is

I am a Select Employee Group member or an employee of a Preferred Business Partner. My company name is

in (city).

I am a member of the American Consumer Council

If I am not approved for the above loan product,

I wish to continue opening my membership. I don't wish to continue opening my membership.

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Required Products

Select the following products required for membership

Main Savings

Your Savings Account is your "share" in Bayer Heritage Federal Credit Union and establishes your membership. You earn dividends for financial stability and it is a good start for all your savings goals.

APY: 0.10% Min Deposit: $5.00

In addition, select one of the following products

Available Products

Savings Certificate Account Checking

3 Month Certificate

APY: 5.64% Min Deposit: $100.00

6 Month Certificate

APY: 5.64% Min Deposit: $100.00

12 Month Certificate

Max APY: 5.40% Min Deposit: $100,000.00

24 Month Certificate

Max APY: 4.70% Min Deposit: $100,000.00

36 Month Certificate

Max APY: 2.80% Min Deposit: $100.00

48 Month Certificate

Max APY: 3.05% Min Deposit: $100.00

60 Month Certificate

Max APY: 3.30% Min Deposit: $100.00

Primary Checking

How many checking accounts do you know that offer a FREE debit card and no monthly services charge? Ours does. Apply today!

APY: 0.00%

Checking Plus

Earn 1% cash back on purchases up to $10 and refund of ATM fees up to $15! To qualify: monthly complete 15 debit card purchases, log into online or mobile, have at least one ACH deposit into your checking and enroll in Estatements. No monthly fee and free Debit Card.

APY: 0.00%

Secondary Checking

Need an additional checking? Our secondary checking still offers a FREE debit card and no monthly service charges. Apply today!

APY: 0.00%

Vacation Account

A vacation account can be opened in addition to your regular savings account. You can save for the long awaited vacation, a new car or the home of your dreams. We are here to help you get closer to achieving your goals!

APY: 0.10% Min Deposit: $0.00

Christmas Club

Ho, Ho, Ho! Deposits to your Christmas Club will earn dividends and help you meet your holiday shopping needs. Funds from your Christmas Club will automatically transfer to your savings or checking on October 1st of each year.

APY: 0.10% Min Deposit: $0.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	5.25%	5.25%	$0.00	12 (min)
.	5.30%	5.30%	$100,000.00	12 (min)
.	5.35%	5.35%	$250,000.00	12 (min)
.	5.40%	5.40%	$500,000.00	12 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	4.65%	4.65%	$0.00	24 (min)
.	4.70%	4.70%	$100,000.00	24 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	2.75%	2.75%	$100.00	36 (min)
.	2.80%	2.80%	$100,000.00	36 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	3.00%	3.00%	$100.00	48 (min)
.	3.05%	3.05%	$100,000.00	48 (min)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	3.25%	3.25%	$100.00	60 (min)
.	3.30%	3.30%	$100,000.00	60 (min)

Funding

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

How much do you want to deposit?

Total Deposit

Funding Options

Not Funding At This Time

Transfer From Another Financial Institution (max $500.00)

Mail A Check

Internal Transfer

I agree to fund the account(s) with the method selected.

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.

Please answer question(s) below

Do you want the payments to be automatically deducted from an account?*

Financial Institutions name*

Routing Number*

Account Number*

Is this a Checking or Savings account?*

How did you hear about us?*

Please enter a security code to be used as verification when you call the credit union regarding your account. (Do not use all or a portion of your social security number or your mother’s maiden name.)*

Are you a frequent traveler?*

Do you travel outside of the United States?*

Will the initial deposit exceed $5000?*

Will you deposit or write checks?*

Will you be using mobile/remote deposit capture to deposit your checks?*

Will you deposit or withdraw cash?*

Approximately how much cash do you expect to deposit each month?*

Approximately how much cash do you expect to withdraw each month?*

Will you send or receive wire transactions?*

What is the monthly total of wire transactions that you expect to send?*

What is the monthly total of wire transactions that you expect to receive?*

Will these wires be sent to or received from non-US locations?*

To/From which countries do you expect to send/receive wires?*

Will you send or receive electronic (non-wire) transactions?*

What is the monthly total of electronic transactions that you expect to send?*

What is the monthly total of electronic transactions that you expect to receive?*

Will these electronic transactions be sent to or received from non-US locations?*

To/From which countries do you expect to send/receive electronic transactions?*

Are you currently, or have you ever been a politically exposed person (PEP) or a senior political figure?*

Are you an immediate family member or a close associate of someone who is currently, or who was, a PEP?*

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?

Interested

Not Now

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?

Interested

Not Now

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?

Interested

Not Now

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?

Interested

Not Now

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.

I have read and understand the Bayer Heritage FCU Account Disclosure, Privacy Notice, and our Fee Schedule.

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