VISA Credit Card Application

There are costs associated with the use of a credit card. To obtain any change in the required information since it was printed, call us collect at 203-237-6424 or contact us by clicking here.

Type of Credit
Select below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.

Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if:

  • you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI); or
  • 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 separate maintenance, complete the Other section to the extent possible about the person on whose payments you are relying.

Joint Credit: Each Applicant must individually complete appropriate section below. If Co-Borrower is spouse of the applicant, mark the Co-Applicant box.

Guarantor: Complete the Other section if you are a guarantor on an account/loan.

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Personal Information
Applicant
 
 
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(-
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Own or Rent?
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$
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Complete for joint credit, secured credit or if you live in a community property state
Other (specify type below)
Type of Applicant
 
 
(-
(-
(-
Own or Rent?
$
$
%
Complete for joint credit, secured credit or if you live in a community property state
Employment/Income
Applicant
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Notice: Alimony, child supposrt, or separate maintenance income need not be revealed if you do not choose to have it considered.
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Co-Applicant
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Notice: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered.
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Credit Card Disclosure Table
Interest Rates and Interest Charges VISA Classic VISA Gold
Annual Percentage Rate (APR) for Purchases 12.99% 11.99%
APR for Cash Advance 9.99% 9.99%
APR for Balance Transfer 9.99% 9.99%
How to Avoid Paying INterest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, isit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Transaction Fees
Foreign Transaction Fee None
Penalty Fees
Late Payment Fee Up to $25.00
Returned Payment Fee Up to $28.00
How we calculated your balance: We use a method called "average daily balance (including new purchases)."
Effective Date: the information about the costs of the card described in this application is accurate as of November 1, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Other Disclosures
Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee $15.00 or the amount of the required minimum payment, whichever is less.
View the full VISA Disclosure
State Law Notices

OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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.

WISCONSIN RESIDENTS ONLY: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or Court decree under Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or has actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.

Signatures
  1. You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the informaiton in this application and your credit report to make its decision. 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. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA.
  2. You understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms of the credit card agreement and disclosures. You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure your credit card account. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. Shares and deposites in an Individual Retirement Account, and any other account that would lose special tax treatment under state or federal law if given as security, are not subject to the security interest you have given in your shares and deposits.