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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.
Contact Information
Current Physical Address
Identification
Financial Information


Monthly Expenses


Upload documentation that may be required: 
  • Driver's License or State ID

Declaration
1. Do you currently have any outstanding judgments or have you ever filed for bankruptcy, had a debt adjustment plan confirmed under Chapter 13, Had Property Foreclosed Upon or Repossessed in the Last 7 yrs, or been a party in a lawsuit?
2. Are you a Co-maker, Co-signer or Guarantor on any loan?
3. Is Your Income Likely to Decline in the next two years?

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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Additional 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


Upload documentation that may be required: 
  • Driver's License or State ID

Co/Joint Declarations
1. Do you currently have any outstanding judgments or have you ever filed for bankruptcy, had a debt adjustment plan confirmed under Chapter 13, Had Property Foreclosed Upon or Repossessed in the Last 7 yrs, or been a party in a lawsuit?
2. Are you a Co-maker, Co-signer or Guarantor on any loan?
3. Is Your Income Likely to Decline in the next two years?

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-Driver's License Scan

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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

Review and Submit

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Review and Submit
Vehicle Loan Information
Additional Loan Information
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Applicant Contact Information
Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
If I am not approved for the above loan product,
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Required Products
Select the following products required for membership
New Member Checking

  • Pays quarterly dividends and offers no per check fees or no monthly statement fees
  • Overdraft options available
  • Free Online Bill Pay
  • Additional Details & Disclosure

APY: 0.20% Min Deposit: $0.00


In addition, select one of the following products
Available Products
Share Savings

  • A required account for all members which allows you to become an owner of the credit union
  • Requires a $5.00 deposit which is paid by DCECU for you and is held to maintain your membership
  • Pays quarterly dividends
  • Funds can be used to provide overdraft protection for your checking account or are conveniently available to you
  • Additional Details & Disclosure

APY: 0.30% Min Deposit: $0.00

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?
$0.00
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
How did you hear about Dow Credit Union?*
Please enter the persons name who referred you to Dow Credit Union.*
Please describe how you heard about Dow Credit Union.*
Services - To better understand how you will use your Dow Credit Union account, please indicate which services you may routinely use (check all that apply)?
A code word is required to obtain account information and complete transactions when you contact the credit union by telephone. It must contain 2-25 alphanumeric characters.*
You will need to establish a code word hint in the event you have forgotten your code word. Your code word and hint cannot be the same.*
Statements - I elect to receive my statements electronically. By selecting yes, you will not receive a paper statement.
Notices - I elect to receive my notices electronicaly. Examples of notices include: CD Maturity Notice, Safe Deposit Box Renewal, etc.
Tax Forms - I elect to receive tax forms electronically. Examples of tax forms include: 1099INT, 1098, etc.
Tax Information - IRS Backup Withholding for Dividend and Interest payments (More Information)
Only select "I am subject to IRS Backup Withholding" if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return.
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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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