Consumer Loan Application

Consumer Loan Application

Would you like to add GAP Insurance or Credit Life and Disability to your loan? Click here to find out more or calculate your monthly payments.

Type of Credit

Individual Joint

Check the joint box 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 payment you are relying on.

Married applicants may apply for a separate account. If you are applying for Individual Credit, you must complete the Applicant Section about yourself and the CO-APPLICANT SECTION about your spouse if:

Your spouse will use the account, or
You are relying on your spouse's income as a basis for repayment.

You live in or the property pledged as collateral is located in a Community Property State (AZ, CA, ID, LA, NM, NV, TX, WA or WI)

Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual request. The Ohio Civil Rights Commission administers compliance with this law.

Loan Request Information

Type of Loan

Make Model Year
Down Payment (Equity) Amount .00
Loan Amount or Credit Limit Requested
$ .00
Number of monthly payments.

(Not needed for Credit Cards.)

Payment Method

Applicant Information

First Name	MI	Last Name	Suffix

Member Number	Social Security Number
	ex: 000-00-0000

Date of Birth	Driver's Licence Number
(mm/dd/yyyy)

Daytime Phone	Ext.#
ex: (000)000-0000

Evening Phone	Ext.#
ex: (000)000-0000

Email (Home)	Email (Work)

Street Address

City	State	Zip	County

Rent Own Other Is this your primary dwelling? Yes No

Is anyone other than your spouse a part owner of your home? Yes No

Monthly Payment	Years at Address	Current Market Value
$ .00		$ .00

Existing Mortgage Lender	Current Mortgage Balance
	$ .00

Employment Information

(If retired, enter your last employment information. Enter "retired? in the Position field and any pension income in Gross Monthly Salary. Social Security income should be indicated in Other Income.)

Employer	Length Of Employment
	Years Months

Street Address

City	State	Zip

Position	Years

Gross Monthly Salary	Employer Phone	Employer Fax
$ .00	(000)000-0000	(000)000-0000

Other Income

Notice: Alimony, child support or separate maintenance income need not be revealed if you choose not to have it considered.

Source of Income	Monthly Amount
	$ .00

Family Status

Marital Status

Unmarried Married Separated Widowed

Number of Dependents

Age of Dependents

Assets

Market Value

	$ .00
	$ .00
	$ .00
	$ .00
	$ .00
Other:	$ .00

Co-Applicant Information

RELATIONSHIP of co-applicant (if applying for joint credit)
	Other:

First Name	MI	Last Name	Suffix

Member Number	Social Security Number
	ex: 000-00-0000

Date of Birth	Driver's Licence Number
(mm/dd/yyyy)

Daytime Phone	Ext.#
ex: (000)000-0000

Evening Phone	Ext.#
ex: (000)000-0000

Email (Home)	Email (Work)

Street Address

City	State	Zip	County

Rent Own Other Is this your primary dwelling? Yes No

Is anyone other than your spouse a part owner of your home? Yes No

Monthly Payment	Years at Address
$ .00

Co-Applicant Employment Information

Employer	Length Of Employment
	Years Months

Street Address

City	State	Zip

Position	Years

Gross Monthly Salary	Employer Phone	Employer Fax
$ .00	(000)000-0000	(000)000-0000

Other Income

Notice: Alimony, child support or separate maintenance income need not be revealed if you choose not to have it considered.

Source of Income	Monthly Amount
	$ .00

Co-Applicant Family Status

Marital Status

Unmarried Married Separated Widowed

Number of Dependents

Age of Dependents

Assets

Market Value

	$ .00
	$ .00
	$ .00
	$ .00
	$ .00
Other:	$ .00

Financial Information

IF A "YES" IS GIVEN TO A QUESTION, EXPLAIN IN THE NOTE SECTION BELOW.

	Applicant		Co-Applicant
Do you have any outstanding judgements?	Yes No		Yes No

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

Yes No

Have you had any property foreclosed upon or repossessed in the last 7 years?

Yes No

Are you a party in a lawsuit?

Yes No

Are you other than a U.S. citizen or permanent resident alien?

Yes No

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

Yes No

Are you co-maker, co-signer or Guarantor on any loan not listed above?

Yes No

If yes:

For Whom (Name of others obligated on loan)

To Whom (Name of Creditor)

Note: Explanation required for each question where a yes
response was indicated above.

Optional Payment Protection Coverage

Credit Life and Credit Disability Insurance is available to protect your loan. Credit Life Insurance can reduce or pay off your loan if you die. Credit Disability Insurance can help make your loan payments if you should become disabled and unable to work.

I would like the insurance coverage (s) checked below. I understand that this is not an application for insurance. This insurance is voluntary and is not a condition for approval of my loan. Insurance coverage will become effective after I apply and meet the eligibility requirements of the group policies when my loan is approved.

I would like information on the insurance coverage(s) checked below.

Single Credit Life Joint Credit Life Credit Disability

BFG Federal Credit Union Credit Card Disclosure

Effective September 17, 2012

Interest Rates and Interest Charges
Annual Percentage Rate (APR) For Purchases	8.99%
APR for Balance Transfers	8.99%
APR for Cash Advances	8.99%
Penalty APR and When It Applies	16.99% This APR may be applied to the entire balance on your account if you: Make a late payment Make a payment that is returned How Long Will the Penalty APR Apply? If your APRs are increased for these reasons, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.
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	If you are charged interest, the charge will be no less than $0.01. The minimum interest charge will be charged on any dollar amount.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Transaction Fees - Balance Transfer Fee - Cash Advance Fee - Foreign Transaction Fee - Transaction Fee for Purchases	None $5.00 or 3.00% of the amount of the cash advance, whichever is greater. 1.00% of each transaction in U.S. dollars. None
Penalty Fees - Late Payment Fee - Over-the-Credit Limit Fee - Returned Payment Fee	Up to $35.00 None Up to $35.00

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

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment or make a payment that is returned.

Effective Date.
The information about the costs of the card described in this application is accurate as of September 17, 2012. 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, if you are ten (10) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee	$25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six (6) billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee	$5.00
Rush Fee	$15.00
Card Replacement Fee	$10.00
Payments by Non-BFG Credit Card Fee	$15.00
Customer Service Pay-by-Phone (ACH) Fee	$10.00

Please Read Before Submitting.

Authorization Notice

By returning this application, you promise that everything you have stated in this application is correct to the best of your knowledge. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or extension of the credit received. 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. You understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to Federal Credit Unions insured by the National Credit Union Administration.

I AGREE