If this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit

By signing or otherwise authenticating below:

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 information 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 crime to willfully and deliberately provide incomplete or incorrect information in this application.

2. If you are applying for a credit card, you understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms of the Consumer Credit Card Agreement and Disclosure.

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. Shares and deposits in an IRA or 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. You may withdraw these other shares unless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example, if you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.

By signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition for the credit card and you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any periods when you are a covered borrower under the Military Lending Act. For clarity, you will not be deemed a covered borrower, and your pledge will apply, if: (i) you become obligated on a credit transaction or establish an account for credit when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Cash
Automatic Withdrawal
Payroll Deduction
Loan Information

WVUCU Loan Application

Do you want Credit Disability Insurance in connection with this loan?

Do you want Credit Life Insurance in connection with this loan?

Primary Applicant

Primary Applicant - Personal information

Complete for joint credit, secured credit, or if you live in a community property state

Employment information


Credit information


Residence

Is the property described your principal dwelling?

Any proceeds for a Refinanced Mortgage, Home Equity, or Home Improvement?

Is the property described listed as the applicant's address in the "Personal Information" section?

Is anyone other than your spouse a part owner of your home?

Have you ever had a car or other personal property repossessed by a dealer or finance company, filed for bankruptcy, or been a party to a wage assignment or collection suit, or have you ever been declined on a loan application with this credit union?

Reference


Additional Questions

Are you a US citizen or permanent resident alien?

Do you have any outstanding judgments?

Is your income likely to decline in the next two years?

Are you a co-maker, co-signer, or guarantor on any loan not listed?

Are you a student or do you have a work visa?

Have you filed for bankruptcy or had a debt adjustment plan confirmed under chapter 13?

Have you had property foreclosed upon or given a deed in lieu of foreclosure in the last 7 years?

Are you a party in a lawsuit?

Home equity information


Joint Applicant

Joint Applicant - Personal information

Complete for joint credit, secured credit, or if you live in a community property state

Employment information


Credit information


Residence

Is the property described your principal dwelling?

Any proceeds for a Refinanced Mortgage, Home Equity, or Home Improvement?

Is the property described listed as the applicant's address in the "Personal Information" section?

Is anyone other than your spouse a part owner of your home?

Have you ever had a car or other personal property repossessed by a dealer or finance company, filed for bankruptcy, or been a party to a wage assignment or collection suit, or have you ever been declined on a loan application with this credit union?

Reference


Additional Questions

Are you a US citizen or permanent resident alien?

Do you have any outstanding judgments?

Is your income likely to decline in the next two years?

Are you a co-maker, co-signer, or guarantor on any loan not listed?

Are you a student or do you have a work visa?

Have you filed for bankruptcy or had a debt adjustment plan confirmed under chapter 13?

Have you had property foreclosed upon or given a deed in lieu of foreclosure in the last 7 years?

Are you a party in a lawsuit?

Terms and Conditions

Assets and Debts

List your assets.


Pledged as collateral for another loan?

Owner of asset


Pledged as collateral for another loan?

Owner of asset


Pledged as collateral for another loan?

Owner of asset


Pledged as collateral for another loan?

Owner of asset


List your debts.

Debt 1 Owner:



Debt 2 Owner:


Debt 3 Owner:


Debt 4 Owner:


Debt 5 Owner:


Debt 6 Owner:

Terms and Conditions


Do you agree with the above terms and conditions?


Co-Applicant

Do you agree with the above terms and conditions?


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