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Loan Applications

Current members that are also OCCU home banking users can receive a loan decision almost immediately!

To apply for a loan online, please click the one description below that best describes your status:

1. Current OCCU home banking user.  (Click on “Webloan” icon after signing in)
   
2. OCCU member but not an OCCU home banking user
3. Not an OCCU member yet

Application Disclosure

By submitting an application, I certify that I am of legal contracting age and that I have read, understood and agree to all of the terms state here.  I represent that the information I provide will be true, accurate, and complete. I understand, and authorize you:

1. To retain this application whether or not it is approved.
2. 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
3. To obtain from and exchange my financial information with any affiliates or correspondents; And by submitting this application, each applicant:
4. Agrees that, in considering this application, Credit Union my obtain information about the applicant and any co-signer from any consumer reporting agency;
5. Certifies that all information provided in this application is true and complete and made for the purpose of obtaining credit;
6. 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.
7. 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.
8. I agree to notify and provide Oakland County Credit Union about any change in my name, address, or employment.

VISA
Disclosure Information

VISA Disclosure	Fixed Annual Percentage Rate For Purchases	Fixed Annual Percentage Rate For Balance Transfer and Cash Advances	Grace Period for Repayment of the Balance for Purchases	Method of Computing the Balance for Purchases	Annual Fees	Minimum Finance Charge	Late Payment Fee-$20
	12.90%	12.90%	25 Days	Average Daily Balance Including New Purchases	NONE	NONE	Over Limit Fee - $20
VISA Gold Disclosure	Variable Annual Percentage Rate For Purchases	Variable Annual Percentage Rate For Balance Transfer and Cash Advances	Grace Period for Repayment of the Balance for Purchases	Method of Computing the Balance for Purchases	Annual Fees	Minimum Finance Charge	Late Payment Fee - $20
	4.5% Over Prime*	4.5% Over Prime*	25 Days	Average Daily Balance Including New Purchases	NONE	NONE	Over Limit Fee - $20
VISA Platinum Disclosure	Variable Annual Percentage Rate For Purchases	Variable Annual Percentage Rate For Balance Transfer and Cash Advances	Grace Period for Repayment of the Balance for Purchases	Method of Computing the Balance for Purchases	Annual Fees	Minimum Finance Charge	Late Payment Fee - $20
	3.9% Over Prime**	3.9% Over Prime**	25 Days	Average Daily Balance Including New Purchases	NONE	NONE	Over Limit Fee - $20

 

*4.5% Over Prime as published in the Wall Street Journal on the third Tuesday of March, June, September, and December.
**3.9% Over Prime as published in the Wall Street Journal on the third Tuesday of March, June, September and December.

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.