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LoanLiner

LOAN REQUEST

Houston Federal Credit Union


  • Married applicants may apply for a separate account.
  • If you are requesting Individual Credit, you must complete the Applicant section about yourself.
  • Complete the Co-Applicant section about your spouse if:
  1. You live in or the property pledged as collateral is located in a community property state (AZ, CA, ID, LA, NM, NV, 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 alimony, child support or separate 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
Fields marked with an "*" are required fields, and must be completed in order to process the request.
Fields marked with an "**" are required fields when the Co-Applicant section is completed.

Is this your first loan from us?* Yes No
Amount/Credit Limit Requested:* $
Approximate Time to Repay:* How Many? Periods:
Loan Type:*

NOTE: Mortgage, home improvement, home equity, and unimproved property loans are NOT available online.  Please call your branch for details.

Purpose:*
Security Offered:
Additional Loan Comments:
Type of Credit:* Individual Joint
Office most convenient for you: Who is your Loan officer?:
Number of Dependents:

For Credit Cards, see Disclosure Table


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.

Yes
No
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?*

TELL US ABOUT YOURSELF

Applicant
Name:*
CU Account #:*
Social Security #:*
Please indicate your marital status if you are applying for Joint Credit, secured credit or if you live in a community property state:
Driver's License #:* State:*
Birth Date:*
Home Phone:* :
Business Phone:
*
Cell Phone:       Pager:
E-Mail Address:
Present Address:*
City:
*
State:
*    ZIP Code:* 
Years There:
* Own Rent Other

Applicant References

Name:*
Address:
City:
State:    ZIP Code: 
Home Phone:*
Relation to Applicant:* 
Applicant Debts
Mortgage/Rent owed to:*
Balance (Mortgage only):
Monthly Payment:*
Current APR % (Mortgage only):
Person Responsible for Payment:
Applicant Income
Employer (indicate if retired):*
Position:
Income (Gross):* $
Hire Date:*
Prev. Employer:
Years There:
Other Income: (Notice: Alimony,child support or separate maintenance income need not be revealed if you do not have it considered as a basis for repaying this obligation.)
Source:
$ Monthly

 

Co-Applicant
Name:**
CU Account #:**
Social Security #:**
Please indicate your marital status if you are applying for Joint Credit, secured credit or if you live in a community property state:
Driver's License #:** State:**
Birth Date:**
Home Phone:**
Business Phone:**
Present Address:**
City:**
State:**   ZIP Code:**
Years There:** Own Rent Other

Co-Applicant References

Name:**
Address:
City:
State:    ZIP Code: 
Home Phone:**
Relation to Co-Applicant:**
Co-Applicant Debts
Mortgage/Rent owed to:**
Balance (Mortgage only):
Monthly Payment:**
Current APR % (Mortgage only):
Person Responsible for Payment:
Co-Applicant Income
Employer (indicate if retired):**
Position: 
Income (Gross):** $
Hire Date:**
Prev. Employer:
Years There:
Other Income: (Notice: Alimony,child support or separate maintenance income need not be revealed if you do not have it considered as a basis for repaying this obligation.)
Source:
$ Monthly

RATES, CHARGES, FEES AND OTHER IMPORTANT INFORMATION
FOR YOUR PLATINUM MASTERCARD® or VISA PLATINUM® ACCOUNT

 Platinum MasterCardVISA Platinum
Interest Rates and Interest Charges
Annual Percentage Rate (APR) For Purchases 2.99% fixed introductory APR for 6 months, thereafter, your rate will be between 5.24% to 18.00%1 based on your credit standing. This APR will vary with the market based on the Prime Rate. 2.99% fixed introductory APR for 6 months, thereafter, your rate will be between 6.24% to 18.00%1 based on your credit standing. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers Same APR as for purchases1 Same APR as for purchases1
APR for Cash Advances Same APR as for purchases1 Same APR as for purchases1
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Annual Fees None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

None
None
1% of each transaction in U.S. dollars for international transactions

Penalty Fees

  • Late Payment
  • Over-the-Credit Limit

  • Returned Payment

$15 or 5% of payment due, whichever is less
$15 or 5% of amount over credit limit, whichever is greater The Over-the-Credit Limit
     feature is optional. You may voluntarily sign up (Opt-In) for this feature separately.
$25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)"

1 Your exact rate depends on your credit standing. Upon evaluation of your completed application and information provided to us by others, if you do not meet the criteria, you may receive a different credit card product or credit may not be offered.

2 The Variable Rate is based on an index, which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly. Any change in the Index will be effective the first day of the following month.

The information about the cost of the cards described in this application is accurate as of April 17, 2014.  This information may have changed after that date.  To find out what may have changed, call 1-866-687-4328 or write to Houston Federal Credit Union at 16320 Kensington Drive , Sugar Land, TX   77479.

Call To Report Lost or Stolen
MasterCard® or Visa® Credit Cards and Visa® CheckCard
Call 1-800-682-6075
Available 24 Hours A Day 7 Days A Week.
Call To Report Transaction Dispute
MasterCard® or Visa® Credit Cards and Visa® CheckCard
Call 1-866-OUR-HFCU (1-866-687-4328)
Monday – Friday: 8:30 a.m. – 4:30 p.m. (Central Time).
OR
Refer to the Back of Your MasterCard® or Visa® Monthly Statement

To Protect Your Billing Rights: Disputes need to be reported in writing detailing all pertinent information within 60 days from the receipt of the first statement when the error was discovered.

PLEDGE OF SHARES FOR CREDIT CARDS: 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 indicated 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.


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.


Your E-mail Address:*

©CUNA MUTUAL INSURANCE SOCIETY, 1980, 82, 84, 86, 89. ALL RIGHTS RESERVED CSTLR1 6857 - Internet Loan Request

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Last Revised Monday, May 24, 2010
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