To apply for a loan online, please click the one description below that best describes your status:
Current OCCU home banking user. (Click on “Webloan” icon after signing in)
OCCU member but not an OCCU home banking user
Current members that are also OCCU home banking users can receive a loan decision almost immediately!
General Loan Application (PDF)
Platinum Visa Card Application
Not an OCCU member yet
- To retain this application whether or not it is approved.
- To obtain information from credit bureaus with respect to this application and that I may obtain the name and address of any credit bureaus used in conjunction with this application upon my request; and
- To obtain from and exchange my financial information with any affiliates or correspondents; And by submitting this application, each applicant:
- Agrees that, in considering this application, Credit Union my obtain information about the applicant and any co-signer from any consumer reporting agency;
- Certifies that all information provided in this application is true and complete and made for the purpose of obtaining credit;
- Represents that he or she is the individual about whom information is submitted; and acknowledges that final credit approval is subject to the lender’s verification of the information provided in this application and to additional terms and conditions contained in the approval notices.
- I understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information on requests made to Federal Credit Unions or State Chartered Credit Unions insured by the NCUA.
- I agree to notify and provide Oakland County Credit Union about any change in my name, address, or employment.
VISA
Disclosure Information
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Interest Rates and Interest Charges
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Annual Percentage Rate (APR) for purchases
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3.90% over prime rate published in the Wall St. Journal
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APR for Balance Transfers
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3.90% over prime rate published in the Wall St. Journal
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APR for Cash Advances
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3.90% over prime rate published in the Wall St. Journal
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Penalty APR and When it Applies
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None
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Paying Interest
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Your due date is at least 25 days after the close of each billing cycle.
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We will not charge you interest on purchases if you pay your entire
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balance by the due date each month. We will begin charging interest
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on cash advances and balance transfers o the transaction date.
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Minimum Interest Charge
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None
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For Credit Card Tips from the
Federal Reserve Board
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To learn more about factors to consider when applying for or using a
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credit card, visit the website of the Federal Reserve Board at
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Fees
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Annual Fee
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None
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Transaction Fees
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Balance Transfer
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None
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Cash Advance
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None
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Foreign Transaction
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1% of each transaction in U.S. dollars.
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Penalty Fees
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Late Payment
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$25 or amount of payment, whichever is less, if 5 days or more past due.
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Over-the-Credit Limit
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None
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Returned Payment
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$25 or amount of payment, whichever is less.
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Use of Card – You agree not to make or permit to be made any illegal transactions on your Account through use of a Card, a check or in any other manner. We may deny authorization for any Internet gambling transaction.
