Oakland County Credit Union Go to main content
OCCU Information

Home Banking and Bill Pay

 
Forgot ID or password?

Disclosures

Click below to view the Oakland County Credit Union Disclosures: 

Account Disclosures
Membership and Account Agreement (Adobe Acrobat file)
Certificate of Deposit Accounts- Member Account & Truth-In-Savings Information (Adobe Acrobat file)
Share Accounts - Member Account & Truth-In-Savings Information (Adobe Acrobat file)

Lending Disclosures
Home Equity Early Disclosure (Adobe Acrobat file)
Visa Platinum Card Disclosure (Adobe Acrobat file)

Miscellaneous Disclosures
Funds Availability Disclosure (Adobe Acrobat file)

EFT Disclosure (Adobe Acrobat file)
Overdraft Consent Disclosure (Adobe Acrobat file)
Privacy Policy (Adobe Acrobat file)

Notice to Inquirers and Loan Applicants

You have a right to submit a written application for a mortgage loan or a home improvement loan or to request written information concerning typical loan terms that we are currently offering on mortgage loans and home improvement loans. It is illegal to establish a minimum mortgage amount of more than $10,000.00 or a minimum home improvement loan of more than $1,000.00. It is illegal to deny a loan or vary the terms and conditions of a loan because of the racial or ethnic trends or characteristics of the neighborhood or the age of the structure, but not because of its physical condition. If your application for a loan is rejected, you have a right to a written statement of the reason for the rejection. If you are granted a loan but the amount required for a down payment, the interest rate, term to maturity, application procedure, or other terms or conditions of the loan vary from terms or conditions offered in other neighborhoods, you have a right to a written statement of the reasons for the variation. The rights described in this notice are set forth in and limited by Act No. 135 of the Public Acts of 1977. If you believe that your rights under this act have been violated, you should contact the Office of Financial and Insurance Services of the Department of Consumer and Industry Services. Contact information is Office of Financial and Insurance Services, P.O. Box 30220, Lansing, Michigan 48909-7720, www.michigan.gov, Toll Free (877) 999-6442, Local (517) 373-0220.

We Do Business in Accordance with Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILY STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

  • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
  • Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity; Department of Housing & Urban Development; Washington, D.C. 20410.

For processing under the Federal Fair Housing Act and to: National Credit Union Administration; Office of Examination and Insurance; Alexandria, VA 22314-3428; For processing under NCUA Regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

On the basis of race, color, national origin, religion, sex, marital status, or age; Because income is from public assistance, or; Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

National Credit Union Administration; Office of Examination and Insurance; Alexandria, VA 22314-3428

Go to main navigation