Loan Disclosures

You agree to do business with MyGeorgia Credit Union and to receive any applicable disclosures electronically.

You promise that the information stated in this Application is true and correct to the best of your knowledge. The Credit Union or its agent is authorized to investigate your credit worthiness, employment history, and to obtain a credit report and to answer questions about its credit history with you. The Credit Union may also obtain credit reports to update, increase, extend or renew credit with you. False or misleading statements in your application may cause any loan to be in default. You agree that this application shall be the Credit Union's property whether or not this application is approved. You will notify the Credit Union in writing immediately of any changes in your name, address or employment. You understand that it is a crime to willfully and deliberately provide incomplete or incorrect information to obtain credit. If you request, you will be provided the name and address of any credit bureau from which we received a credit report. If this Application is used to issue a credit card, by signing below, you agree to all the terms and conditions of the credit card agreement or by using or allowing the card to be used.

As security for any loan advance to you or on your behalf, you grant the Credit Union a Security Interest in all individual and joint share or other accounts you have with the Credit Union now and in the future. When you are in default you authorize the Credit Union to take that money and apply it to what you owe. Shares and deposits that would have an adverse tax consequence if pledged as security are not subject to this Security Interest.

To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying information.

Note: E-mail users should be aware that the Internet is operated over an open channel; therefore, e-mail information is not guaranteed to be secure.

Notice to California Residents: A married Applicant may apply for a separate account.

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 with each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Wisconsin Residents: Wisconsin law provides that any agreement, unilateral statement under section 766.59 or court decree under section 766.70 relating to material property may not adversely affect a creditor'’s interest, unless, prior to the time the credit granted, the creditor is furnished with a copy of the agreement, statement, or decree, or has actual knowledge of the adverse provision.

For Wisconsin Residents Only: A married Applicant residing in Wisconsin must sign the following statement if you are not applying for this loan with your spouse. The credit being applied for, if granted will incurred in the interest of the marriage of family of the undersigned.

Group Credit Insurance is voluntary and not required to obtain credit. You cannot be denied credit simply because you choose not to buy credit insurance. If you are interested in purchasing credit insurance, please see your Loan Officer for details.

You agree to do business with MyGeorgia Credit Union and to receive any applicable disclosures electronically.

You promise that the information stated in this Application is true and correct to the best of your knowledge. The Credit Union or its agent is authorized to investigate your credit worthiness, employment history, and to obtain a credit report and to answer questions about its credit history with you. The Credit Union may also obtain credit reports to update, increase, extend or renew credit with you. False or misleading statements in your application may cause any loan to be in default. You agree that this application shall be the Credit Union's property whether or not this application is approved. You will notify the Credit Union in writing immediately of any changes in your name, address or employment. You understand that it is a crime to willfully and deliberately provide incomplete or incorrect information to obtain credit. If you request, you will be provided the name and address of any credit bureau from which we received a credit report. If this Application is used to issue a credit card, by signing below, you agree to all the terms and conditions of the credit card agreement or by using or allowing the card to be used.

As security for any loan advance to you or on your behalf, you grant the Credit Union a Security Interest in all individual and joint share or other accounts you have with the Credit Union now and in the future. When you are in default you authorize the Credit Union to take that money and apply it to what you owe. Shares and deposits that would have an adverse tax consequence if pledged as security are not subject to this Security Interest.

To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying information.

Note: E-mail users should be aware that the Internet is operated over an open channel; therefore, e-mail information is not guaranteed to be secure.

Notice to California Residents: A married Applicant may apply for a separate account.

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 with each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Wisconsin Residents: Wisconsin law provides that any agreement, unilateral statement under section 766.59 or court decree under section 766.70 relating to material property may not adversely affect a creditor'’s interest, unless, prior to the time the credit granted, the creditor is furnished with a copy of the agreement, statement, or decree, or has actual knowledge of the adverse provision.

For Wisconsin Residents Only: A married Applicant residing in Wisconsin must sign the following statement if you are not applying for this loan with your spouse. The credit being applied for, if granted will incurred in the interest of the marriage of family of the undersigned.

Group Credit Insurance is voluntary and not required to obtain credit. You cannot be denied credit simply because you choose not to buy credit insurance. If you are interested in purchasing credit insurance, please see your Loan Officer for details.

You agree to do business with MyGeorgia Credit Union and to receive any applicable disclosures electronically.

You promise that the information stated in this Application is true and correct to the best of your knowledge. The Credit Union or its agent is authorized to investigate your credit worthiness, employment history, and to obtain a credit report and to answer questions about its credit history with you. The Credit Union may also obtain credit reports to update, increase, extend or renew credit with you. False or misleading statements in your application may cause any loan to be in default. You agree that this application shall be the Credit Union's property whether or not this application is approved. You will notify the Credit Union in writing immediately of any changes in your name, address or employment. You understand that it is a crime to willfully and deliberately provide incomplete or incorrect information to obtain credit. If you request, you will be provided the name and address of any credit bureau from which we received a credit report. If this Application is used to issue a credit card, by signing below, you agree to all the terms and conditions of the credit card agreement or by using or allowing the card to be used.

As security for any loan advance to you or on your behalf, you grant the Credit Union a Security Interest in all individual and joint share or other accounts you have with the Credit Union now and in the future. When you are in default you authorize the Credit Union to take that money and apply it to what you owe. Shares and deposits that would have an adverse tax consequence if pledged as security are not subject to this Security Interest.

To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying information.

Note: E-mail users should be aware that the Internet is operated over an open channel; therefore, e-mail information is not guaranteed to be secure.

Notice to California Residents: A married Applicant may apply for a separate account.

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 with each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Wisconsin Residents: Wisconsin law provides that any agreement, unilateral statement under section 766.59 or court decree under section 766.70 relating to material property may not adversely affect a creditor's interest, unless, prior to the time the credit granted, the creditor is furnished with a copy of the agreement, statement, or decree, or has actual knowledge of the adverse provision.

For Wisconsin Residents Only: A married Applicant residing in Wisconsin must sign the following statement if you are not applying for this loan with your spouse. The credit being applied for, if granted will incurred in the interest of the marriage of family of the undersigned.

Group Credit Insurance is voluntary and not required to obtain credit. You cannot be denied credit simply because you choose not to buy credit insurance. If you are interested in purchasing credit insurance, please see your Loan Officer for details.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Notice to California Residents: A married Applicant may apply for a separate account. 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 with each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Notice to Wisconsin Residents: Wisconsin law provides that any agreement, unilateral statement under section 766.59 or court decree under section 766.70 relating to material property may not adversely affect a creditor's interest, unless, prior to the time the credit granted, the creditor is furnished with a copy of the agreement, statement, or decree, or has actual knowledge of the adverse provision. For Wisconsin Residents Only: A married Applicant residing in Wisconsin must sign the following statement if you are not applying for this loan with your spouse. The credit being applied for, if granted will incurred in the interest of the marriage of family of the undersigned.
Group Credit Insurance is voluntary and not required to obtain credit. You cannot be denied credit simply because you choose not to buy credit insurance. If you are interested in purchasing credit insurance, please see your Loan Officer for details.

You promise that the information stated in this application is true and correct to the best of your knowledge. The Credit Union or its agent is authorized to investigate your credit worthiness, employment history, and to obtain a credit report and to answer questions about its credit history with you. The Credit Union may also obtain credit reports to update, increase, extend or renew credit with you. False or misleading statements in your application may cause any loan to be in default. You agree that this application shall be the Credit Union's property whether or not this application is approved. You will notify the Credit Union in writing immediately of any changes in your name, address or employment. You understand that it is a crime to willfully and deliberately provide incomplete or incorrect information to obtain credit. If you request, you will be provided the name and address of any credit bureau from which we received a credit report. If this Application is used to issue a credit card, by signing below, you agree to all the terms and conditions of the credit card agreement or by using or allowing the card to be used.

As security for any loan advance to you or on your behalf, you grant the Credit Union a Security Interest in all individual and joint share or other accounts you have with the Credit Union now and in the future. When you are in default you authorize the Credit Union to take that money and apply it to what you owe. Shares and deposits that would have an adverse tax consequence if pledged as security are not subject to this Security Interest.

To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying information. You agree to do business with MyGeorgia Credit Union and to receive any applicable disclosures electronically. Note: Email users should be aware that the Internet is operated over an open channel; therefore, e-mail information is not guaranteed to be secure.

You agree to do business with MyGeorgia Credit Union and to receive any applicable disclosures electronically.

Personal loan rates range from 13.55% APR* (Ex: 12 months $89.53 per $1,000 borrowed) to 18.00% APR* (Ex: 12 months $91.62 per $1,000 borrowed). The first payment due date will be within 45 days from the loan origination date. Loans are offered for approved credit and not all applicants will qualify. The maximum term is 60 months. Rates may vary based on the credit profile and length of term.

*APR is Annual Percentage Rate

You promise that the information stated in this Application is true and correct to the best of your knowledge. The Credit Union or its agent is authorized to investigate your credit worthiness, employment history, and to obtain a credit report and to answer questions about its credit history with you. The Credit Union may also obtain credit reports to update, increase, extend or renew credit with you. False or misleading statements in your application may cause any loan to be in default. You agree that this application shall be the Credit Union's property whether this application is approved. You will notify the Credit Union in writing immediately of any changes in your name, address, or employment. You understand that it is a crime to willfully and deliberately provide incomplete or incorrect information to obtain credit. If you request, you will be provided the name and address of any credit bureau from which we received a credit report. If this Application is used to issue a credit card, by signing below, you agree to all the terms and conditions of the credit card agreement or by using or allowing the card to be used.

As security for any loan advance to you or on your behalf, you grant the Credit Union a Security Interest in all individual and joint share or other accounts you have with the Credit Union now and in the future. When you are in default you authorize the Credit Union to take that money and apply it to what you owe. Shares and deposits that would have an adverse tax consequence if pledged as security are not subject to this Security Interest.

To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying information.

Note: E-mail users should be aware that the Internet is operated over an open channel; therefore, e-mail information is not guaranteed to be secure.

Notice to California Residents: A married Applicant may apply for a separate account.

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 with everyone upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Wisconsin Residents: Wisconsin law provides that any agreement, unilateral statement under section 766.59 or court decree under section 766.70 relating to material property may not adversely affect a creditor’s interest, unless, prior to the time the credit granted, the creditor is furnished with a copy of the agreement, statement, or decree, or has actual knowledge of the adverse provision.

For Wisconsin Residents Only: A married Applicant residing in Wisconsin must sign the following statement if you are not applying for this loan with your spouse. The credit being applied for, if granted will incurred in the interest of the marriage of family of the undersigned.

Group Credit Insurance is voluntary and not required to obtain credit. You cannot be denied credit simply because you choose not to buy credit insurance. If you are interested in purchasing credit insurance, please see your Loan Officer for details.

You agree to do business with MyGeorgia Credit Union and to receive any applicable disclosures electronically.

You promise that the information stated in this Application is true and correct to the best of your knowledge. The Credit Union or its agent is authorized to investigate your credit worthiness, employment history, and to obtain a credit report and to answer questions about its credit history with you. The Credit Union may also obtain credit reports to update, increase, extend or renew credit with you. False or misleading statements in your application may cause any loan to be in default. You agree that this application shall be the Credit Union's property whether or not this application is approved. You will notify the Credit Union in writing immediately of any changes in your name, address or employment. You understand that it is a crime to willfully and deliberately provide incomplete or incorrect information to obtain credit. If you request, you will be provided the name and address of any credit bureau from which we received a credit report. If this Application is used to issue a credit card, by signing below, you agree to all the terms and conditions of the credit card agreement or by using or allowing the card to be used.

As security for any loan advance to you or on your behalf, you grant the Credit Union a Security Interest in all individual and joint share or other accounts you have with the Credit Union now and in the future. When you are in default you authorize the Credit Union to take that money and apply it to what you owe. Shares and deposits that would have an adverse tax consequence if pledged as security are not subject to this Security Interest.

To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying information.

Note: E-mail users should be aware that the Internet is operated over an open channel; therefore, e-mail information is not guaranteed to be secure.

Notice to California Residents: A married Applicant may apply for a separate account.

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 with each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Wisconsin Residents: Wisconsin law provides that any agreement, unilateral statement under section 766.59 or court decree under section 766.70 relating to material property may not adversely affect a creditor's interest, unless, prior to the time the credit granted, the creditor is furnished with a copy of the agreement, statement, or decree, or has actual knowledge of the adverse provision.

For Wisconsin Residents Only: A married Applicant residing in Wisconsin must sign the following statement if you are not applying for this loan with your spouse. The credit being applied for, if granted will incurred in the interest of the marriage of family of the undersigned.

Group Credit Insurance is voluntary and not required to obtain credit. You cannot be denied credit simply because you choose not to buy credit insurance. If you are interested in purchasing credit insurance, please see your Loan Officer for details.

You agree to do business with MyGeorgia Credit Union and to receive any applicable disclosures electronically.

To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying information. You promise that the information stated in this Application is true and correct to the best of your knowledge. By submitting this application, you authorize the Credit Union to verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency. You agree that this application shall be the Credit Union's property whether or not this application is approved. You will notify the Credit Union in writing immediately of any changes in your name, address or employment. You understand that it is a crime to willfully and deliberately provide incomplete or incorrect information to obtain credit. If you request, you will be provided the name and address of any credit bureau from which we received a credit report.

Note: E-mail users should be aware that the Internet is operated over an open channel; therefore, e-mail information is not guaranteed to be secure.

You agree to do business with MyGeorgia Credit Union and to receive any applicable disclosures electronically.

You promise that the information stated in this Application is true and correct to the best of your knowledge. The Credit Union or its agent is authorized to investigate your credit worthiness, employment history, and to obtain a credit report and to answer questions about its credit history with you. The Credit Union may also obtain credit reports to update, increase, extend or renew credit with you. False or misleading statements in your application may cause any loan to be in default. You agree that this application shall be the Credit Union's property whether or not this application is approved. You will notify the Credit Union in writing immediately of any changes in your name, address or employment. You understand that it is a crime to willfully and deliberately provide incomplete or incorrect information to obtain credit. If you request, you will be provided the name and address of any credit bureau from which we received a credit report. If this Application is used to issue a credit card, by signing below, you agree to all the terms and conditions of the credit card agreement or by using or allowing the card to be used.

As security for any loan advance to you or on your behalf, you grant the Credit Union a Security Interest in all individual and joint share or other accounts you have with the Credit Union now and in the future. When you are in default you authorize the Credit Union to take that money and apply it to what you owe. Shares and deposits that would have an adverse tax consequence if pledged as security are not subject to this Security Interest.

To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying information.

Note: E-mail users should be aware that the Internet is operated over an open channel; therefore, e-mail information is not guaranteed to be secure.

Notice to California Residents: A married Applicant may apply for a separate account.

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 with each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Wisconsin Residents: Wisconsin law provides that any agreement, unilateral statement under section 766.59 or court decree under section 766.70 relating to material property may not adversely affect a creditor's interest, unless, prior to the time the credit granted, the creditor is furnished with a copy of the agreement, statement, or decree, or has actual knowledge of the adverse provision.

For Wisconsin Residents Only: A married Applicant residing in Wisconsin must sign the following statement if you are not applying for this loan with your spouse. The credit being applied for, if granted will incurred in the interest of the marriage of family of the undersigned.

Group Credit Insurance is voluntary and not required to obtain credit. You cannot be denied credit simply because you choose not to buy credit insurance. If you are interested in purchasing credit insurance, please see your Loan Officer for details.