Secured Loan Application

Primary Applicant Full Name:*

First NameLast Name
What is the purpose of this loan?*

VehicleMotorcycleBoatCamperRecreational Vehicle
Are you a current member of It'sMyCU?*

YesNo
I authorize Illinois State Credit Union to establish a membership account and run a credit report through a credit bureau.*

YesNo
What is the approximate amount you want to borrow?*
How would you prefer to make your payments on the loan?*

Direct Deposit into ISCU AccountAutomatic Payments from another institutionManual Payments (Cash, Check, Etc.)
Please tell us as much information as possible about what you are purchasing. (Year, make, model, miles, and condition.)
Do you have a current trade in?

YesNo
Enter year, make, model, miles, and condition. Please include a payoff amount for the vehicle.
Have you spoken to an attorney in the last 6 months about filing bankruptcy?*

YesNo
Do you owe/pay on any of the following? (Select all that apply)*

Child SupportAlimonyWage garnishmentsNone of the aboveOther
Total monthly payment for items answered above: *

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Are you applying with a joint owner?*

YesNo

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Are you interested in any other services? (Check all that apply.)

VISA Credit CardChecking AccountConsolidate Debt
Additional Accounts
In addition to our checking account, we have a new product called an Easy Saver Account. This is an additional share that would be linked to your debit card. When you make debit card purchases at a store, each transaction would round up to the nearest dollar and transfer the remaining change to the Easy Saver Account.

For example, if you spend $2.50 at a store, you will see the transaction post to your checking account for this amount, and then an additional transfer made for $0.50 to the Easy Saver Account.

This share will earn 10% interest on the balance up to $1,000. In order to transfer out of this account, you will need to contact a Member Service Representative.
Would you like to add the Easy Saver Account in addition to the Checking Account and your Regular Share?*

YesNo
Overdraft Protection
Overdraft protection is an automated service that will transfer money from your savings to your checking if there is not enough money in the checking account to cover the transaction.

These automated transfers also count towards Regulation D which only allows 6 electronic transfers each month. If more than 6 transfers occur, there will be a $25 fee assessed at the end of that month.

There is also a $3 fee each time this service is used.
Do you wish to set up Overdraft Protection?*

Yes, I want ISCU to transfermoney from savings to checking with a $3 fee. For this to be applicable fordebit card transactions, you must be opted in. (see below).No, I do not want ISCU totransfer money on my behalf. I understand that if there is not enough money inmy account to cover a transaction, the item may be returned as unpaid and otherfees will apply.
Overdraft Courtesy Pay
This is an additional service that can be added to your account. Overdraft Courtesy Pay (OCP) would allow you to overdraft your Share Draft account up to $500 and pay items by bringing the account negative. Each transaction that brings the account negative will include a $25 fee.
Do you wish to set up Overdraft Courtesy Pay?*

Yes, I authorize ISCU to pay my overdrafts. I understand this will bring my account negative and I will be charged a $25 every time this happens.No, I do not want ISCU to payoverdrafts and bring my account negative. I understand that any item I do nothave enough money for will be returned as unpaid and I will be charged a $25fee for insufficient funds regardless of my account balance.
Opt In/Out
This service is specific to debit card transactions. If you wish to OPT IN, your debit card purchases will bring your account negative with the standard $25 fee per transaction. In order to choose this option, you must be approved for Overdraft Courtesy Pay and have an available limit to overdraw your account. If you have chosen to set up overdraft protection, those transfers will take affect before bringing the account negative.

To avoid going negative with your debit card transactions, you can choose to OPT OUT which will deny your debit card purchases if there is not enough money in your checking account to cover the charge.
Do you wish to Opt In or Opt Out?*

Opt In: YES, I WOULD LIKE torequest an Overdraft Courtesy Pay limit and OPT IN so my debit card purchaseswill be go through. I understand these may bring my account negative and astandard $25 insufficient fund fee will apply per transaction.Opt Out: NO, I DO NOT WANT my debit card transactions to bring my account negative. I understand that if there is not enough money in my account, my debit card will be declined.
Disclosures and Agreements
Are you already working with a Member Service Representative?

YesNo
Name of employee you are working with:
How did you hear about this product? *
Name of person who referred you:
Additional Comments:
Signature*
Joint Owner Signature*
Should be Empty:

Joint Owner Information

Additional Accounts

Overdraft Protection

Overdraft Courtesy Pay

Opt In/Out

Disclosures and Agreements