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Huntington Beach City
 
Employees Credit Union
Loans

This credit union is federally insured by the
National Credit Union Administration.

Your savings are insured up to $250,000
by the NCUA, a U.S.Govt. Agency.
Secure Loan Application

This application can be divided up into these 8 easy to complete sections:

  1. Loan Details

  2. Applicant's Information

  3. Applicant's Employment History

  4. Spouse / Co-Applicant Information

  5. Spouse / Co-Applicant Employment History

  6. References

  7. Credit History

  8. Insurance and Loan Agreement

To complete this application you will need:

  • Your most recent credit card, mortgage and loan statements.

  • Your Social Security Number and Drivers License Number

  • Your two most recent pay stubs.  

  • Please fax your two most recent pay stubs to 714-969-0817 after submission.



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Visa Credit Information
Annual percentage rate for purchase Classic 15.0%       Gold 11.99%       Platinum 9.0%
Annual fees NONE
Variable rate information Your annual percentages do not vary
Transaction fee for purchase There are no transaction fees for purchases.
Grace period for repayment of balances for purchases You have 25 days from the end of Statement Period to repay your balance for purchases before a finance charge on purchases will be imposed.
Transaction fee for cash advances, and fees for paying late or exceeding the credit line Transaction fee for cash advances: $0.00.
Late Payment Fee: the greater of 3% of payment or $5.00 (10 days).
Over-the-credit-limit fee: $6.00 each billing cycle your credit limit is exceeded by the lesser of $500 or 120%.
Method of computing the balance for purchases Average daily balance method (including current transactions).
The information about the costs of the credit card described in this Application and above Disclosure is accurate as of 11-1-99. This information may have changed after that date. To find out what may have changed call us at (712) 536-6517 or write to us at P.O. Box 910, Huntington Beach, CA 92648.

REQUIRED fields are **marked** with asterisks
**Why are you requesting a loan?
Wish to Establish Credit Only
Line of Credit
Signature Loan
New Car
Visa Credit Card
Used Car
Share Secured
Co-Maker
Other...

 
 
**Payment Method
Term Months (subject to Credit Union policy)
Amount you are applying for $
Purpose      
Collateral   

NOTICE: Married applicants may apply for an individual account. 
**Please indicate the type of credit you are applying for: 

 



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****The APPLICANT section must be entirely completed.****
Full Name  (First Middle Last)
E-mail address Social Security No.(xxx-xx-xxxx)
Date of Birth (mm/dd/yyyy)   / /
*Marital status (check one):
Married
Separated
Unmarried
Account No.
Ages of Dependants (excluding self) Ex: (16, 85, 12, 9, etc..)

Current Street Address Apartment No.
City State ZIP
*Do you rent or own?   
For how long have you lived there? Years Months
Home Phone No. ( ) Driver's License No. State

Former Street Address (if current address less than 5 yrs.)
Apt. No.   City State ZIP
Did you rent or own? How long did you live there? Years Months

*Are you currently on sick leave or leave of absence?

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Present Employer Phone No. ( )

Street Address  
City State ZIP

Date Employed Position/Type of Work
Permanent Temporary Supervisor's Name
Applicant's Salary
Bi-Weekly Monthly
Gross Net

Previous Employer Start date End date

Street Address  
City State ZIP

Position Held

OTHER INCOME

You need not list income from alimony, child support, or separate maintenance 
unless you wish it considered for purposes of granting this credit.
Type of Other Income
Monthly Amount
Expected Duration
Name and Address of Payer 
 
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Complete this section if (1) this is to be a joint account with your spouse, (2)your spouse will use this account, (3)you live in a community property state (Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin) or (4) you are relying on your spouse's income in applying for this account.  This section must also be completed about your co-applicant if this is for a joint account with someone other than your spouse.  If this section does not apply to you, leave it blank and skip to the "References" section below.
Full Name  (First Middle Last)
Marital status (click one):
Married
Separated
Unmarried
Social Security No.
Account No.
E-mail address
(
confirmation will be sent to this address)
Date of Birth mm/dd/yyyy)  / /
Ages of Dependants (excluding self) Ex: (16, 85, 12, 9, etc..))

Current Street Address Apartment No.
City State ZIP
Do you rent or own?   
For how long have you lived there? Years Months
Home Phone No. ( ) Driver's License No. State

Former Street Address (if current address less than 5 yrs.)  
Apt. No. City State ZIP
Did you rent or own? How long did you live there? Years Months

Are you currently on sick leave or leave of absence?

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Present Employer Phone No. ( )

Street Address  
City State ZIP

Date Employed
Permanent Temporary
Position/Type of Work
Supervisor's Name
Applicant's Salary
Bi-Weekly Monthly
Gross Net

Previous Employer Start date End date

Street Address
City State ZIP

Position Held

OTHER INCOME

You need not list income from alimony, child support, or separate maintenance 
unless you wish it considered for purposes of granting this credit.
Type of Other Income
Monthly Amount
Expected Duration months
Name and Address of Payer
 

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****The REFERENCES section must be entirely completed.****
Nearest Relative / Relationship (not living with you)
Name Phone Number ()

Street Address
City State ZIP

 
Relative / Relationship
Name Phone Number ()

Street Address
City State ZIP

 
Personal Reference
Name Phone Number ()

Street Address
City State ZIP

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List all outstanding debts, use the blank area at the bottom of this section if necessary.
Please check box "A" if account is in Applicant's name only.
Please check box "B" if account is in Spouse/Co-Applicant's name only.
Please check box "C" if the credit is joint credit.
A B C TYPE OF LOAN PAYEE ACCOUNT NO. BALANCE MO. PAYMENTS
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Are all your debts listed?  YesNo

Total monthly Payments

*1st Trust Deed:  Original Balance:   Market Value:
If all debts were not listed please use the area below to list additional debts.  Please include the same information that is requested above.



Have you ever filed or declared bankruptcy? Yes No
If Yes, please indicate year filed , and filing type
Suits, judgments unsatisfied, alimony, or maintenance pending? Yes No
Have you had an auto, furniture, or other property repossessed? Yes No
Do you have any past due bills? Yes No
Have you ever had any loans charged off? Yes No

Use this area to explain any 'yes' answers to the above questions:


Are you a co-maker or endorser on another person's note or loan? Yes No
If yes, Name of other person?
Amount      Payment

Have you ever had or applied for credit in any other name? Yes No
If yes, What other name?


INSURANCE AND LOAN AGREEMENT
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Do you wish to purchase disability insurance? Yes No
Do you wish to purchase credit life? Yes No
You understand that disability insurance will cover your loan payments when ill or disabled for more than thirty (30) days.  Credit life insurance will cover your loan payments if you die. 
You understand that purchase of this insurance coverage is voluntary and is not required for an extension of credit.  You understand full disclosure of insurance cost will be disclosed prior to consummation of loan.

Please Read and Sign Below

You agree to consolidate existing loans from the credit union as the credit union may require.  By signing below, you certify that the information on this application is true and correct and represents your current financial condition accurately, and that you have  no other debts than those stated.  If there are important changes, you will notify the credit union in writing immediately.  You understand that any false statements or willful overvaluation of any land, property or security for the purpose of influencing in any way the action of any federal credit union upon any loan application is a violation Section 1014, Title 18, US code.  You authorize the credit union to gather whatever credit information we consider necessary and appropriate.  You authorize the credit union to give information concerning its credit experience with you to others.  You understand that the credit union will retain this application whether or not credit is approved.  If this application is signed by more than one person the words "you" and "your" shall mean all those who sign the application.  

Acknowledgement of Pledge Shares For Visa Applicants Only

BY REQUESTING AND RECEIVING, SIGNING AND USING, OR PERMITTING OTHERS TO USE A VISA CARD ISSUED TO YOU BY HUNTINGTON BEACH CITY EMPLOYEES CREDIT UNION, YOU AGREE AS CARDHOLDER TO THE TERMS OF THE VISA CARD AGREEMENT AND DISCLOSURE STATEMENT.
YOU FURTHER ACKNOWLEDGE AND AGREE THAT THE VISA CARD AGREEMENT AND DISCLOSURE STATEMENT CONTAINS THE FOLLOWING PROVISION: 

"SECURITY INTEREST - PLEDGE OF SHARES: Borrower hereby pledges all paid shares and payment on shares, which Borrower now has or hereafter may have in this Credit Union as security for loans, interest, late charges, costs or expenses.  In the event of default in the payment of installments hereinabove agreed to be paid, Borrower hereby authorizes the Treasurer of the Credit Union to apply said shares to the payment of said loans, interest, late charges, or expenses.  The foregoing pledge of shares does not apply to any shares held in any Individual Retirement Account or Keogh Plan.

THIS MEANS THAT IF YOU ARE IN DEFAULT UNDER THE TERMS OF THE VISA CARD PROGRAM, WE MAY EXERCISE OUR RIGHTS AS A SECURED PARTY TO APPLY FUNDS YOU HAVE ON DEPOSIT WITH US TO SATISFY YOUR INDEBTEDNESS.
NOTICE: This acknowledgement must be signed by you and returned to the Credit Union.

**Do you agree to the terms listed above?  Yes
By checking the "Yes" box and typing your name in the "signature" box, you are indicating you have read and accepted the terms and conditions specified above.

Please type your full name in place of your signature.
Applicant Signature 
Date (mm/dd/yyyy)  / /
Co-Applicant Signature 
Date (mm/dd/yyyy)  / /

 


 
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