San Francisco Federal Credit Union - Smart Banking. Real Value.
About Us | Membership | Locations | CommunityShare | What's New | Site Map   
home Checking & Savings Loans & Credit Online Banking Auto Buying Planning & Investing Other Services



READ THESE INSTRUCTIONS BEFORE COMPLETING THIS APPLICATION:
Married persons can request individual credit. Provide information about your spouse/domestic partner in the spouse/domestic partner/co-applicant section if you are married and (1) you live in a community property state (AZ, CA, ID, LA, NV, NM, TX, WA, WI) or are relying on property located in a community property state to repay amounts borrowed, (2) you want joint credit with your spouse/domestic partner, (3) your spouse/domestic partner will be liable to repay amounts borrowed or (4) you are relying on income of a spouse/domestic partner or former spouse/domestic partner to repay amounts borrowed. Co-applicants must belong to the Credit Union (unless spouse/registered domestic partner of member applicant residing in a community property state). Tell us about income from alimony, child-support, or separate maintenance only if you want us to consider it.

I am applying for a:
  New Classic Card New Platinum Card Credit Line Increase of $
IMPORTANT NOTICE: Members may have only one San Francisco Federal Credit Union VISA® Credit Card Product; VISA® Classic or VISA® Platinum. If you do not qualify for a Visa Platinum, you may be counter offered with a Visa Classic.

APPLICANT
Last Name
 First Name
 MI
 Member Number
 Soc. Sec. #
 Date of Birth
Address
 		City
 State
 Zip
 Home Phone
 Driver's License #/State
Employer
 Dept./ Job Title
 Date of Hire
 Work Phone
Ext.
Employer's Address
 City
 State
 Zip
 Mother's Maiden Name
Gross Monthly Income
(before taxes)
$
Monthly House Payment
MortgageRent
$
Length of Residence
(years and months)
 Email Address
Additional Income
$
Name and address of nearest relative not living with you.
 Relationship
 Relative's Phone Number
Name and address of nearest relative not living with you.
 Relationship
 Relative's Phone Number

SPOUSE/DOMESTIC PARTNER/CO-APPLICANT NON-SPOUSE/DOMESTIC PARTNER CO-APPLICANT
NON-APPLICANT SPOUSE/DOMESTIC PARTNER IN A COMMUNITY PROPERTY STATE
Last Name
 First Name
 MI
 Member Number
 Soc. Sec. #
 Date of Birth
Address
 		City
 State
 Zip
 Home Phone
 Driver's License #/State
Employer
 Dept. / Job Title
 Date of Hire
 Work Phone.
 Ext.
Employer's Address
 City
 State
 Zip
 Mother's Maiden Name
Gross Monthly Income
(before taxes)
$
Monthly House Payment
MortgageRent
$
Length of Residence
(years and months)
 Email Address
Additional Income
$
Name and address of nearest relative not living with you.
 Relationship
 Relative's Phone Number
Name and address of nearest relative not living with you.
 Relationship
 Relative's Phone Number
List any other names under which you and/or co-applicant have applied for credit
PROOF OF INCOME FOR EACH PERSON WHO WILL BE RESPONSIBLE FOR PAYMENT WILL BE REQUIRED BEFORE LOAN IS FUNDED.

 

Truth In Lending Disclosure (Effective April 2008)

ProgramVISA® ClassicVISA® Platinum
Annual percentage rate (APR) for purchases
7.15% - 13.15%*
Other annual percentage rates

Purchase rate APR applies to balance transfers and cash advances.
Penalty APR 17.90%.**
Variable rate information Your APR for purchase may vary. The rate is determined monthly by adding a margin to the Prime Rate. See explanation below.*
Grace Period for repayment of balance for purchases 25 Days
Method of computing the balance for purchases Average daily balance (including new purchases)
Annual fee None
Minimum Finance Charge None
Transaction fee for purchases Visa may assess an international multicurrency fee of 1% of US dollar amount, or an international single (US dollar) currency fee of .80%; passed on to you at cost.
Transaction fee for cash advances 1% of advance amount ($1 minimum), plus Visa may assess an international multicurrency fee of 1% of US dollar amount, or an international single (US dollar) currency fee of .80%; passed on to you at cost.
Balance transfer fee 1% of the balance transferred
Late payment fee
$15.00
Over-the-credit-limit fee
$15.00

*Variable interest rate is based on the US Prime Rate, with a margin of 1.9%-7.9% added to the Prime Rate depending on creditworthiness determined at application and upon any later default. The Prime Rate used to determine your APRs for each billing cycle is the prime rate published in The Wall Street Journal on the last publication date of the calendar month that ends within that billing cycle. On March 31, 2008, the Prime Rate was 5.25%. If your application is approved, your rate will be disclosed to you, in writing, before you become obligated.

**Penalty rate applies if you are delinquent for two successive statement cycles. Call us for details on how to lift the penalty rate. The rate will not exceed 17.9% APR in any event.

A late fee will be charged if account is 10 or more days past due. An over-limit fee will be charged if balance exceeds credit limit by more than 20%.

Important Notice By "signing" and transmitting this application to the Credit Union electronically, or by mail, fax or other means, you request credit from San Francisco Federal Credit Union (San Francisco FCU). You certify that all information supplied is accurate and complete, and you have omitted no material information. All loan applications are subject to approval. You authorize us to verify your statements with third parties such as employers and to obtain credit reports about you. If your application is approved, we will send you a Cardholder Agreement and Disclosure with your card(s). By keeping, signing, or using the card(s) or the related account, you agree to the terms.

In consideration for and as a condition of your issuing a credit card to me, I agree that if I fail to make my required payments, you can take any San Francisco FCU shares in which I have an interest to recover all or part of my delinquent debt without advance notice to me and without waiving other rights you have to collect what I owe. This consent is not a pledge of any shares and will not affect my right to withdraw shares prior to your exercise of your rights following my payment default. This consent applies to all funds I voluntarily deposit to San Francisco FCU share accounts, including funds such as social security direct deposit that are normally exempt from creditors’ remedies. I understand that you will never require me to deposit exempt funds to San Francisco FCU share accounts.

APPLICANT'S SIGNATURE X_______________________________________________DATE__________
MEMBER NAME TO BE EMBOSSED ON VISA CARD: (19 CHARACTERS MAXIMUM)
CO-APPLICANT'S SIGNATURE X___________________________________DATE__________
CO-APPLICANT'S NAME TO BE EMBOSSED ON VISA CARD: (19 CHARACTERS MAXIMUM)
I would like a card for each of the following additional authorized cardholders. I understand that there is no fee for each additional card.
SIGNATURE OF AUTHORIZED CARDHOLDER  X__________________________________DATE__________
AUTHORIZED CARDHOLDER NAME TO BE EMBOSSED ON VISA CARD: (19 CHARACTERS MAXIMUM)
AUTHORIZED CARDHOLDER'S SOCIAL SECURITY NUMBER: (11 CHARACTERS MAXIMUM)
SIGNATURE OF AUTHORIZED CARDHOLDER  X__________________________________DATE__________
AUTHORIZED CARDHOLDER NAME TO BE EMBOSSED ON VISA CARD: (19 CHARACTERS MAXIMUM)
AUTHORIZED CARDHOLDER'S SOCIAL SECURITY NUMBER: (11 CHARACTERS MAXIMUM)

Please provide all of the requested information. When you have completed the form, click the "Submit Application" button below to send your application to San Francisco Federal Credit Union for processing. The data will be transferred using our Secure Server. If you prefer, you may print this form and fax it to (415) 775-5340. Or, mail it to us along with a copy of your most recent paycheck stub:

San Francisco Federal Credit Union
770 Golden Gate Avenue
San Francisco, CA 94102
Attn: Financial Services Department