Membership Requirement

Card  Information

Personal Information

Employment Information

Insurance and Payment Options

I request the following Insurance Coverage:                 Please Select Single Credit Life Insurance Joint Credit Life Insurance Single Credit Disability Insurance Single Credit Life and Disability Insurance Joint Credit Life and Single Disability Insurance None

By submitting this application, I/We certify that this information has been supplied truthfully, accurately and voluntarily, and therefore authorize PCM Employees Credit Union. to investigate our creditworthiness, credit history and financial responsibility through any credit bureau or by any other reasonable means for consideration for the loan applied for, or for any other services offered.  This application does not constitute a contract for the extension of credit.  

Thank You.  Upon receipt of this application, someone at PCM Employees Credit Union will review your information and get back to you to extend credit, with additional questions or to request  further information. We appreciate this opportunity to be your financial partner.

Notice to married applicant: No provision of a marital property agreement, a unilateral statement under Wis. Stat. sec 766.59 or a court decree under Wis Stat. sec 766.70 adversely affects the interests of the credit union unless prior to the time the credit is extended, the credit union is furnished with a copy of the agreement statement or decree, or has actual knowledge of the adverse provision when the obligation to the credit union is incurred.


 

Credit Disclosures

Annual Percentage Rate (APR) on Purchases	9.88%
Annual Percentage Rate (APR) on Balance Transfers	9.88%
Other APR's	Cash Advance APR: 9.88%
Grace Period for Repayment of Balances for Purchases	You have not less than 25 days to repay your balance for purchases before a finance charge will be imposed.*
Annual Membership Fee	None
Late Payment Fee	$5.00
Over the Limit Fee	None
Cash Advance Fee	None
Balance Transfer Fee	None
Foreign Transaction Fee	1% of each transaction in U.S. dollars

Method of Computing the Balance for Purchases:  Average Daily Balance (including new purchases)

*A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement.  If you elect not to pay the entire new balance shown on your previous monthly statement within that 25 day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date.  The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle.  Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments a received or credits as posted to your account, but excluding any unpaid finance charges.
A finance charge will be imposed on Cash Advances from the date of the Cash Advance, or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will otherwise be calculated in the same manner as explained for Credit Purchases.

The information listed above is accurate as of 2/10 and is subject to change.  Because rates and terms are subject to change, you may contact the credit union toll free at 877 373 4023 or write to PCM Employees Credit Union, PO Box 28500, Green Bay, WI  54324-0500 for current rate information.