1. All Loans are subject to credit review, verification of collateral and income. Loan rates are determined by individual credit score, collateral values and loan term. All loans are subject to Credit Union policies and procedures. Rates are subject to change without prior notice. 2. By submitting this application to the credit union, you promise that everything you have stated in this application is correct to the best of your knowledge and that the information you have entered is a complete listing of your debts and obligations. 3. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or extension of the credit received. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that the credit union will rely on both the representations you make in this application and the contents of any credit report it obtains when deciding whether to grant the credit requested. 4. You agree to immediately notify us of changes to any of the information you have provided in this application. 5. Membership required - based on eligibility.