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Loan

* Indicates Required

www.ivcu.com
Phone (815) 224-2667 • Fax (815) 224-2691
Peru
1311 Shooting Park Road • Peru, IL 61354
Princeton
200 Ace Road • Princeton, IL 61356


Application Type
$
Collateral Offered*
Repayment
Are you a new member to the credit union

APPLICANT INFORMATION

Can you accept calls at work?
Residence*
$
$
$

OTHER INCOME INFORMATION

*Alimony, child support, or separate maintenance income need not be revealed if you do not wish it to be considered as a basis for repayment.

CO-APPLICANT INFORMATION

Is your address the same as the applicant?
Residence*
$
$
$

OTHER INCOME INFORMATION

*Alimony, child support, or separate maintenance income need not be revealed if you do not wish it to be considered as a basis for repayment.

SIGNATURE CERTIFICATION

The information provided on this application is true and correct.

Can we contact you via email and text message

30-Day Free Look Offer: A SAFETY NET, WHEN YOU NEED IT MOST.

MEMBER'S CHOICE Credit Disability and Credit Life Insurance work in two different ways. You and your family may not have to make loan payments if you’re totally disabled due to a covered injury or illness.* It may help pay your loan until you’re no longer totally disabled, or in the event of your unexpected death, it may help pay off the loan.* Savings, salary, or payoffs from other life insurance may be used for other important things, giving your family financial freedom when they need it most.
*Up to your policy maximums; per terms and conditions and exclusions on your Credit Insurance Certificate.

VISA

* Indicates Required

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

  1. you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NV, NM, TX, WA, WI)
  2. your spouse will use the account, or
  3. you are relying on your spouse's income as a basis for repayment. If you are relying on income from alimnoy, 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-Applicant is spouse of the Appliant, mark the Co-Applicant box.

Application Type
Visa Type*
$
Payment Protection* Are you interested in having your loan protected?

If you answer "yes", the credit union will disclose th cost to protect your loan. The protection is voluntary and does not affect your loan approval. In order for your loan to be covered, you will need to sign a separate application that explains the terms and conditions.

APPLICANT INFORMATION

Can you accept calls at work?
Residence*
Residence*
$
$
$
Marital Status *

Refference

CO-APPLICANT INFORMATION

Can you accept calls at work?
Residence*
Residence*
$
$
$
Marital Status

Refference

SIGNATURE CERTIFICATION

State Law Notice(s)

Notice to Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and us from any misunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial accommodation in consideration of money or to make any other financial accommodation in consideration of money or to make any other financial accommodation in consideration of money or to make any other financial accommodation with this loan of money or grant or extension of credit, or any amendment or, cancellation of, waiver of, or substitution for any or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must be in writing to be effective.
Notice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. New York State Department of Financial Services 1-800-342-3736 or www.dfs.ny.gov
Notice to Ohio Residents: 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.
Notice to Wisconsin Residents: (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 or title 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. Your spouse also agrees that, upon your request, your credit being applied for, if granted, will be incurred in the interest of the marriage or family of myself and my spouse.

I am a Wisconsin Resident

Credit Card Consensual Security Interest

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 interst 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 aggreeing that you are aware that granting a security interst is a condition for the credit card and you intend to grant a security interest.

Signatures

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, increas, renewal, extension, or collection of the credit received and for other accounts, products, or services we may offer you or for which you may qualify. 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. You understan that the use of your card will constitute acknowledgement of receipt and agreement of the terms of the Consumer Credit Card Agreement and Disclosure.

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