Visa® sECURE CREdit CaRd appliCation

YoUR pERsonal idEntiFiCation nUMBER (pin)

“optional” Co-appliCant pin

Requested Credit limit $________

secured deposit amount ($300 - $2,500) $________ 

Co-applicant information (if applicable)

Your Name (Last/First/Middle)

Name Of Co-Applicant (Last/First/Middle)

ECU Member Number

ECU Member Number

Social Security Number  

Date of Birth

Social Security Number  

Date Of Birth

Driver’s License Number 

State Issue Date  

Exp. Date

Driver’s License Number  

State Issue Date  

Exp. Date

Home Phone Number

Home Phone Number

Street Or Physical Address

Street Or Physical Address

City  

State  

Zip

E-Mail Address
Housing Information: Do You Currently

 Own 

 Live With Parents  

 Rent 

 Other

City  

Employer  

Position

State  

City  

Zip

State

Monthly Payment $ ______________ 

Time At Residence: __________ Years

Business Phone Number

Previous Address

Time At Current Employer:__________years

City  

State  

Zip

Nearest Relative (Not Living With You)

Address and Phone Number
TOTAL MONTHLY GROSS INCOME - ALL SOURCES –  
Please note: you need not furnish alimony, child support, or separate maintenance income information if you do not want us to 
consider it as a source of repayment when evaluating your application. ECU may need proof of your income.

$ 

Employer  

City  

State

Position

Business Phone Number

Time At Current Employer: _________ Years

statE LAW notiCEs
OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally available to all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. 
The Ohio Civil Rights Commission administers compliance with this law.

WISCONSIN RESIDENTS ONLY: (1) no provision of 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) Please sign if you are not applying for this account or loan with your spouse. The credit being applied for, if granted, will be 
incurred in the interest of the marriage or family of the undersigned.

Signature for Wisconsin Residents Only   Date

TOTAL MONTHLY GROSS INCOME - ALL SOURCES –  
Please note: you need not furnish alimony, child support, or separate maintenance income information if you do not want us to 
consider it as a source of repayment when evaluating your application. ECU may need proof of your income.

$ 

plEasE siGn BEloW
SECURITY INTEREST, PLEDGE, ASSIGNMENT OF SHARE ACCOUNT:  This is an application for a secured credit card 
account.  In consideration of ECU’s issuance of a secured credit card, you authorize ECU to open a “Credit Builder Sec Visa Pledge 
Account” (the “Secured Account”) in your name.  To secure your obligations under this credit card account, you assign, transfer, 
pledge and grant a security interest to ECU all rights, title, and interest in the Secured Account and all renewals, additions and 
proceeds of the Secured Account.  You agree that this security interest, pledge, and assignment includes and gives ECU the right 
to redeem, collect and withdraw any part or the full amount of the Secured Account upon default under the secured credit card 
agreement or if your secured credit card account is terminated for any reason.  You acknowledge and agree that this security interest, 
pledge, and assignment means that ECU has exclusive control over the Secured Account.  You may not make any withdrawals from 
the Secured Account while it secures your credit card.  This security interest, pledge, and assignment is given as security for any 
and all amounts you may owe, including but not limited to interest, fees and charges that may accrue under your secured credit 
card account.  You agree that if the secured credit card account is closed for any reason, ECU may apply the funds in the Secured 
Account to pay off any balance on the credit card account.  If there are still funds remaining in the secured Account after doing so, 
those funds will be remitted to you within 60 days after your credit card account is closed.

The information submitted on this form is for the purpose of obtaining credit. I certify that all information provided herein is true and 
complete. I authorize Eastman Credit Union to obtain my credit report in order to review my credit history, process this application, 
and service my account. I understand that Eastman Credit Union will report my credit experience with them to the credit reporting 
agencies. I understand that approval, credit limits, fees and interest rates are based upon the credit lending policies of Eastman 
Credit Union. If I accept or use an account, I agree to be bound by the terms and conditions of this account and the Cardholder 
Agreement as it may be amended. A copy of the Cardholder Agreement will be sent to me if my application is approved. I accept 
that on a periodic basis, my account may be subject to an upgrade at the discretion of Eastman Credit Union.

Applicant’s Signature  
I intend to apply for joint credit.

Date 

Co-Applicant’s Signature  

Date

IMPORTANT CREDIT TERMS REGARDING YOUR ECU VISA® CLASSIC SECURE CARD

FEES

pRoGRaM

annUal
pERCEntaGE 
RatE1

HoW to aVoid paYinG 
intEREst on pURCHasEs

FoR CREdit CaRd tips 
FRoM tHE FEdERal 
REsERVE BoaRd

tRansaCtion 
FEEs: purchases, 
Balance transfers or 
Cash advances

LAtE  
paYMEnt 
FEEs

annUal FEEs

pEnaltY 
FEEs:  
over-the-
Credit limit 
or Returned 
payment

Visa® 
intERnational 
sERViCE 
assEssMEnt 
(isa) FEE

CLAssiC sECURE 
FIXED
Eastman Credit Union will 
set your fixed APR based 
on your creditworthiness.  
You will be informed of 
your specific APR before 
you become contractually 
liable for the account.

Minimum fixed rate
10.90%
to a Maximum  
fixed rate
18.00%  
Based on  
creditworthiness

Your due date is at least 25 days 
after the close of each billing cycle.  
We will not charge you any interest 
on purchases if you pay your entire 
balance by the due date each 
month.  We will begin charging 
interest on cash advances and 
balance transfers on the transaction 
date.

To learn more about factors 
to consider when applying for 
or using a credit card, visit 
the website of the Federal 
Reserve Board at  
http://www.federalreserve.gov/
creditcard. 

nonE

Up to 
$25

nonE

nonE

Visa charges an ISA 
fee of up to 1% on 
most international 
transactions. 

How We will Calculate Your Balance:  We use a method called “average daily balance (including new purchases)”.  See your account agreement for more details.

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Minimum Monthly payment: 2.5% of your new balance, but at least $25.00.  Balances under $25.00 must be paid in full.

1APR information is accurate as of May 10, 2010, and may change after that.  To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 or call 423-229-8200 or 800-999-2328.   
Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, 
IL 62791 or (800)634-5452.  Visa® is a federally registered service mark of Visa U.S.A., Inc..

if you would like your payment electronically transferred from an ECU account, please complete the following:

Account payment to be transferred from:  

Shares (Savings) Account  

Share Draft (Checking Account)  

    Min. Payment  

Last Billed Amount  

APPROVED BY 

  DATE

 LIMIT 

save money and simplify your record keeping!
We’ve made it too easy! Transfer balances from higher APR accounts to your ECU Visa® today by taking advantage of our no-fee balance transfer feature.