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Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


United 1st Classic Credit Card Annual Percentage Rates range from 7.9% - 16.9% and are based on credit worthiness. There is No Annual Fee, No Balance Transfer Fee, and No Cash Advance Fee.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


VISA® Application

Check below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.

Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if:
you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI). If you are relying on income from alamony, 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-Borrower is spouse of the applicant, mark the Co-Applicant box.

Guarantor: Complete the Other section if you are a guarantor on an account/loan.

Applicant Information

Own Rent

COMPLETE FOR JOINT CREDIT SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE:

Married Separated Unmarried (Single-Divorced-Widowed)

Employment Information/Income (Applicant)

Pay Period

Pay Period:

Notice: Alimony, child support, or separate maintenance income need to be revealed if you wish to have it considered as basis for repaying this obligation. Alimony, child support, separate maintenance received under: Court order, Written agreement, Oral understanding

Co-Applicant Information

Co-Applicant Spouse Guarantor

Own Rent

COMPLETE FOR JOINT CREDIT SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE:

Married Separated Unmarried (Single - Divorced - Widowed)

Employment Information (Co-Applicant)

Pay Period:

Pay Period:

Notice: Alimony, child support, or separate maintenance income need to be revealed if you wish to have it considered as basis for repaying this obligation. Alimony, child support, separate maintenance received under: Court order, Written agreement, Oral understanding


STATE LAW NOTICES

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 connection with this loan of money or grant or extension of credit, or any amendment of, 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 of the 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. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.


CONSENSUAL SECURITY INTEREST

I/we 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 interest 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 submitting this application electronically, I/we are affirmatively agreeing that you are aware that granting a security interest is a condition
for the credit card and you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any
periods when you are a covered borrower under the Military Lending Act. For clarity, you will not be deemed a covered borrower, and your
pledge will apply, if: (i) you become obligated on a credit transaction or establish an account for credit when you are not a covered borrower;
or (ii) you cease to be a covered borrower.


1- I/we promise that everything I have stated in this application is correct to the best of my knowledge. If there are any important changes I will notify the credit union in writing immediately. I authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. I understand that the Credit Union will rely on the information in this application and my credit report to make its decision. If I request, the Credit Union will tell me the name and address of any credit bureau from which it received a credit report on me. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA.

2- I understand that the use of my card will constitute acknowledgment of receipt and agreement to the terms of the credit card agreement and disclosures. I grant the credit uion a security interest in all individual and joint share and/or deposit accounts I have with the credit union now and in the future to secure my credit card account. When I am in default, I authorize the credit union 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 I have given in my shares and deposits.

By submitting this application electronically, I/we agree to the same terms that apply to a signed application. If there is a co-applicant on this loan, that co-applicant has authorized the submission of this application. This electronic submission qualifies as my/our signature.

Interest Rates and Interest Charges

Fees

Transaction Fees
Foreign Transaction Fee - None

Penalty Fees
Late Payment Fee - Up to $25.00
Over-the-Credit Limit Fee - None
Returned Payment Fee - Up to $25.00

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

Effective Date. The information about the costs of the card described in this application is accurate as of June 11, 2019. This information may have changed after that date. To find out what may have changed, contact the credit union.

Other Disclosures

Note: Please click on the Submit button only one time.

 

VISA® Application best viewed on a tablet or desktop device.

Copyrights © 2016 All Rights Reserved by United 1st FCU. Federally Insured by NCUA.

United 1st Federal Credit union is committed to providing equal access to all individuals, including those with disabilities, seeking information on our website. If you are unable to access content on this website, have questions about accessibility of content or technology used by United 1st Federal Credit union, and/or would like to report barriers to accessing any technology used by United 1st Federal Credit union, including this website, please contact us at 162 N. Gross Road, Kingsland, GA 31548, Email: services@united1fcu.org, Fax: 912-882-8559 and Phone: 888-484-8328.

Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.