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Secure Loan Application

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    • Loan Information

    Primary Applicant

    • Personal
    • Present Address
    • Employment
    • NOTE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for this credit request.

      Your gross monthly income can include money received from several sources, some examples are salaries, investments, social security benefits, retirement, if you are 21 or older and regularly use income from others to pay your bills, such as a spouse or domestic partner, you can include that too.

    Add Joint Applicant

    • Personal
    • Present Address
    • Employment
    • Best Method To Contact
    • Reference

    By filling out this application you agree to the following:
    You promise that everything you have stated in this application is correct and to the best of your knowledge. If there are any important changes you will notify the credit union in writing immediately. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal, extension, or collection of the credit received. You understand that the Credit Union may rely on the information on 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. You agree that your account will be subject to the terms and conditions of all applicable Loan Agreements and Disclosure Statements. You agree that a photocopy or facsimile of this application shall be as binding as the original. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federally insured financial institutions. A condition of your account is your granting us a security interest in your share accounts. By signing below 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 loan. 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 security are not subject to this security interest. When you are in default we may apply the balance in these accounts to any amounts due under the loan agreement. You understand the credit union must verify all your income for prompt processing of your loan application. Fax pay stub to 978-458-8933 or email to¬†eeverett@communityspiritcu.org and/or previous year’s tax returns.
    If  you have applied for a Community Spirit CU Visa Credit Card:
    You understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms of the credit card agreement and disclosures. 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. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. 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 security, are not subject to the security interest you have given in your shares and deposits.

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    Credit Card Agreement