STUDENT MASTERCARD APPLICATION 
                           Visit uiccu.org for a complete list of card benefits.  
                 
     
                                                   
                   
                  With a credit line of just $500, our Student MasterCard allows you to build  
                  credit without building a pile of debt. 
                                            
                        
                
                 
              APPLICANT INFORMATION (Please print clearly.  All information is required.) 
     
    Are you a citizen or permanent resident of the United States?   ? Yes  ? No 
     
    _____________________________________________  ____________________  ____________________  ____________________  
    Name  (as you wish it to appear on the card)   Date of Birth   Social Security #   Mother�s Maiden Name 
     
    _____________________________________________      ____________________  ____________________  ____________________ 
    Street Address                Phone Number   Email Address   UICCU Member Number 
      
    _____________________________________________   ____________________________________________ 
    City, State         Zip       Name of college or university at which you are enrolled          
      
    _____________________________________________  ____________________  $__________  _____________  
    Employer                      How Long at Employer  Hourly Wage           Hours per Week 
     
     
     
     
    Name:____________________________Address:_____________________________________________Telephone Number___________________________________ 
                    REQUIRED:  Please list the information of the nearest relative not living with you. 
                                            
    Name:____________________________Address:_____________________________________________Telephone Number___________________________________ 
                    REQUIRED:  Please list the information of a second relative not living with you. 
     
     
                       OTHER APPLICANT INFORMATION (if applicable) 
     
    _____________________________________________  ____________________  ____________________  ____________________  
    Name  (no plastic will be issued unless requested)  Date of Birth   Social Security #   Mother�s Maiden Name 
     
    _____________________________________________      ____________________        ____________________        ____________________ 
    Street Address                 How Long at Address  Home Phone   Email Address 
     
    ____________________________________________________________________  ____________________  Do You  ? Own  ? Rent  
    City           State           ZIP            Cell Phone     Payment $___________ 
     
    _____________________________________________     ____________________  ____________________  $___________________  
    Employer                       How Long at Employer  Work Phone   Gross Annual Income  
     
      
     
     
     
     
                               Interest Rate and Interest Charges 
    APR for Purchases, 
                  15.99% 
    Balance Transfers and 
    Cash Advances  Non-Variable Rate 
                   
                  If the New Balance shown on the statement is paid in full by the Payment Due Date shown on this statement, no interest charge will be imposed on Current                      
    How to Avoid Paying  Cycle Purchases (which are the purchases itemized on this statement). Each cash advance under your account will be subject to an interest charge 
    Interest on Purchases  beginning on the date the advance is posted to your account. Interest charges will continue to accrue on your account until the entire outstanding balance is 
                   
                  paid in full. 
    Minimum Finance Charge  None                                                
                                         Fees 
    Annual Fee    None 
    Transaction Fees                              
    �  Balance Transfer  �  None (for non-UICCU balances only) 
    �  Cash Advance  �  3% or $5 whichever is greater. 
    �  Foreign Transaction  �  1% of each transaction in U.S. dollars 
    Penalty Fees   
    �  Late Payment  �  Up to $15 
    �  Over-the-Credit Limit  �  None 
    �  Returned Check Fee  �  Up to $25 
    Other Fees & Charges  Card Replacement Fee (for any reason): $10.00 
    For Credit Card Tips from 
                  To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau 
    the Consumer Financial 
                  at  www.consumerfinance.gov/learnmore . 
    Protection Bureau 
     
       �  How We Will Calculate Your Interest:  We figure the interest charge on your account by applying the periodic rate, as stated in your Account Opening Disclosures to the 
         �average daily balance� of your account. To get the �average daily balance� we take the beginning balance of your account each day, add any new purchases/advances/fees, 
         and subtract any unpaid interest or other finance charges and any payments or credits. This gives us the daily balance. Then, we add up all the daily balances for the billing 
         cycle and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.�  
       �  Minimum Payment: The minimum monthly payment is 2% of the new balance, but at least $25.00 or the new balance if less than $25.00.  If the unpaid interest and fees on the 
         account are greater than the minimum monthly payment, the minimum monthly payment will become that amount. Any amount that is past due or prior minimum payments that 
         were not made will also be added to the minimum monthly payment amount. 
       �  This information is accurate as of 8/15/2013. 
          
                                  SIGNATURE(S) 
     1. You promise that everything you have stated in this application is correct to the  union may have what is known as a statutory lien on all individual and joint 
     best of your knowledge and that the above information is a complete listing of what  accounts that you have with us.  A statutory lien means we have the right under 
     you owe. If there are any important changes you will notify us in writing  federal law and many state laws to claim an interest in your accounts.  We can 
     immediately. You authorize the UICCU to obtain credit reports in connection with  enforce a statutory lien against your shares and dividends, and if any, interest 
     this application for credit and for any update, increase, renewal, extension or  and deposits, in all individual and joint accounts you have with us to satisfy any 
     collection of the credit received. You understand that the UICCU will rely on the  outstanding financial obligation that is due and payable to us.  We may exercise 
     information in this application and your credit report to make its decision. If you  our right to enforce this lien without further notice to you, to the extent permitted 
     request, the UICCU will tell you the name and address of any credit bureau from  by law.  The statutory lien will allow us to apply the funds in your account(s) to 
     which it received a credit report on you. It is a federal crime to willfully and  what you owe when you are in default.  The statutory lien does not apply to any 
     deliberately provide incomplete or incorrect information on loan applications made to  Individual Retirement Account or any other account that would lose special tax 
     federal credit unions or state chartered credit unions insured by the NCUA.   treatment under state or federal law if given as security. 
     2.  You pledge as security all share and dividends and, if any, all deposits and interest  3.You understand that the use of your card will constitute acknowledgement of 
     in all joint and individual accounts you have with us now and in the future.  Your  receipt and agreement to the terms of the credit card agreement and disclosures. 
     pledged shares may be withdrawn by you unless you are in default.  The credit   MasterCard may not be used for any illegal transactions. 
     ?___________________  ?____________________ 
          Applicant Signature                             Date              Other Applicant Signature                     Date 
                                     FOR UICCU USE ONLY 
                                      Approval Checklist 
    ?The member is currently enrolled at a 2 or 4 year college or university(vocational or technical schools do not qualify) 
    ?2 references above and all information is complete 
    ?Member has a checking account with the UICCU 
    ? One of the following is complete if Student only on application (please indicate which item) 
          ?The member has no credit score  or  ?The member credit score exceeds 640 
    ? Member has one of the following if Student and a co-applicant are on application (please indicate which item) 
          ?Co-Applicant credit score exceeds 640  or  ? Properly approved exception to score requirement obtained and noted in SAIL 
    ? Member has employment income and  D/I Ratio is <45% not including housing expenses or student loans (either as income or obligations) 
         or  Co-applicant present  and combined D/I Ratio is <45% 
    ?Loan is complete, properly approved, and funded in SAIL 
                            
                  ? Approved  Employee Number___________________________________ 
    Date_____________       
                                                                                   
                  ? Denied  Employee Signature__________________________________