OHIO RESIDENTS ONLY: The Ohio laws make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Rights Commission administers compliance with this law.
WISCONSIN RESIDENTS ONLY: (1) No provision on 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) If you are not applying for this account or loan with your spouse, you will be asked for your signature. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the signer.
MARRIED APPLICANTS: May apply for a separate:
Individual Credit: You must complete the Applicant section about yourself and the Co-Signer section about your spouse if:
1. 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),
2. your spouse will use the account, or
3. you are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support or separate maintenance, complete the Other section to the extent possible about the person on whose payments you are relying.
Joint Credit: If you are applying with another person, complete the Application and Co-Signer sections.
Guarantor:Complete the Co-Signer section if you are a guarantor on an account/loan.
Please make sure you qualify for membership. University & Community Federal Credit Union membership is open to anyone who lives, works, worships or attends school in Payne County, Lincoln County, Logan County, Noble County, and Pawnee County. Any relative of a member is also eligible for membership.