RCCU | Loan Application

Today's Date:

Loan Request

For Home Equity Loan or Visa Credit Card application,
Click Here.

Want to figure out your monthly payments?
Check out our Loan Calculator

Married applicants may apply for a separate account. If you are applying for Individual Credit, you must complete the Applicant section about yourself and the Co-Applicant section about your spouse of:

Your spouse will use the account, or
You are relying on your spouse's income as a basis for repayment.

If you are relying on income from alimony, child support or separated maintenance, complete the Co-Applicant section to the extent possible about the person on whose payments you are relying. If you are applying for Joint Credit with another person, complete the Applicant and Co-Applicant sections.

Type and Amount of Credit you're requesting
Is this your first loan from us?	Yes		No
Amount/Credit Limit Requested?	$
Approximate Time to Repay:	How Many?
	Periods
Loan Type:
Security Offered: (for secured credit only)
Type of Credit:	Individual	Joint
For Home Equity Loan or Visa Credit Card application, Click Here.

Payment Protection Coverage Check if desired
Find out more about Payment Protection Insurance and why it's a better consumer value when offered through your credit union.

Check coverage(s) desired. We will disclose the cost of this Payment Protection Insurance - Credit Disability and Credit Life - to you. A separate enrollment form which discloses the terms and conditions must be signed for coverage to become effective.

Do you want your loan protected for you and your family if you become disabled?
Yes No

Do you want your loan protected for you and your family in the event of your death?
Yes No

Applicant Information
Name
Account #		SS #
Please indicate your marital status if you are applying for Joint Credit, secured credit or if you live in a community property state:
Married Separated Unmarried (Single, Divorced, Widowed)
Drivers License#		State
Birth Date	--(mm/dd/yy)
Home No.		Work No.
Address
City		State	Zip
Years There	Own Rent

DEBTS
Mortgage/Rent owed to
Balance (Mortgage only) $
Monthly Payment $
Current APR % (Mortgage only) $
Person responsible for payment
Other debts: (Do you have any obligations to pay alimony, child support, or separated maintenance?)
Amount $	Weekly	Monthly

INCOME

Employer

Income $

Net	Gross	Hourly	Weekly
Bi-weekly	Semi-Monthly	Monthly	Annually

Other Income: (Notice: Alimony, child support or separated maintenance income need not be revealed if you do not want it considered as a basis for repaying this obligation.)

Amount $

Weekly

Monthly

Source

Co-Applicant Information
Name
Account #		SS #
Please indicate your marital status if you are applying for Joint Credit, secured credit or if you live in a community property state:
Married Separated Unmarried (Single, Divorced, Widowed)
Drivers License#		State
Birth Date	--(mm/dd/yy)
Home No.		Work No.
Address
City		State	Zip
Years There	Own Rent

DEBTS
Mortgage/Rent owed to
Balance (Mortgage only) $
Monthly Payment $
Current APR % (Mortgage only) $
Person responsible for payment
Other debts: (Do you have any obligations to pay alimony, child support, or separated maintenance?)
Amount $	Weekly	Monthly

INCOME

Employer

Income $

Net	Gross	Hourly	Weekly
Bi-weekly	Semi-Monthly	Monthly	Annually

Other Income: (Notice: Alimony, child support or separated maintenance income need not be revealed if you do not want it considered as a basis for repaying this obligation.)

Amount $

Weekly

Monthly

Source

RCCU Visa Credit Card Disclosure
Annual Percentage Rate for purchases, cash advances, balance transfers	A Fixed Rate of 12.9% (0.035342% daily periodic rate)
Grace period for repayment of the balance for purchases	25 days from statement closing date
Method of computing the balance for purchases	Average Daily Balance (Including new purchases)
Annual Fees	None
Transaction Fee for purchases, cash advances, balance transfers	None
Minimum Finance Charge	None
Late payment fee	$10.00
Fee for Exceeding Credit Limit	$10.00
Return check fee	$25.00 per item

PLEDGE OF SHARES FOR CREDIT CARDS AND LOANS: By submitting this application, you grant us a security interest in the following accounts to secure your credit card agreement. You authorize us to apply the balance in these accounts to any amounts due under these agreements if you should default. If no dollar amount or account number is listed below, you authorize us to apply any balance in your account at the time of default to pay any amounts due under these agreements. Shares and deposits in an Individual Retirement Account and any other account that would lose special tax treatment under state or federal law if given as a security are not subject to the security interest you have given in your shares and deposits.

Amount $

Account #

Amount $

Account #

NOTICE TO OHIO RESIDENTS: The Ohio laws against discrimination require all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Comments/Questions:

Your Email Address (for correspondence)

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By submitting this loan request, you agree that the information is correct to the best of your knowledge. You also agree to notify us of any changes to your name, address or employment. You authorize the credit union to obtain credit reports in connection with this request.

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