WebLoan
Applications
Consumer Loan Application
Credit Card Application
We appreciate you choosing Ascend Federal Credit Union for your borrowing needs. To submit a loan application, click on the appropriate link above. WebLoan is a secure loan application-processing facility and will require your user identification (ID) and a password prior to entering the site.
If you are an E-BRANCH user, you will log into WebLoan using your account number and existing password. If you are not an E-BRANCH user, you will log into WebLoan using your credit union account number as your ID and your Social Security number as your password. You will enter these numbers without dashes or spaces.
Before applying for a credit card, please note these credit disclosures.
Credit Disclosures
| Visa Credit Disclosures | |
| Annual Percentage Rate for Purchases (APR) | |
| Platinum | 9.50% |
| Student | 9.90% |
| Classic | 12.90% - 18.00%1 |
| Gold | 9.50% - 11.90%1 |
| Cash Advance/Balance Transfer APRs | |
| Platinum | 9.50% |
| Student | 9.90% |
| Classic | 12.90% - 18.00%1 |
| Gold | 9.50% - 11.90%1 |
| Grace Period for Repayment of Balances for Purchases | You have 25 days to repay your balances for purchase before a finance charge on purchase will be imposed. |
| Method of Computing the Balance for Purchases | Average Daily Balance Method (including current transactions). |
| Annual fees | None |
| Transaction Fee for Cash Advances | N/A |
| Fee for Paying Late | $10 or 10% of the past due amount, whichever is greater, if payment is more than 14 days late. |
| Exceeding the Credit Limit | $20 per month |
| Collection Fees | Attorney fees, court costs and any other fees allowed by law. |
| Foreign Transaction Fee | 1% of purchases, cash withdrawals, cash advances and credits to your account. |
1 Your APR will be a fixed rate based on your credit score. You will be informed of the APR for which you qualify before you become contractually liable for the account.
For the Platinum card, the periodic rate is .026027% per day for purchases and cash advances.
For the Studentcard, the periodic rate is .027123% per day for purchases and cash advances.
For the Classic card, the periodic rate is a range between .035343% and .049315% per day for purchases and cash advances based on your credit score.
For the Gold card, the periodic rate is a range between .026027% and .032603% per day for purchases and cash advances based on your credit score.
The minimum monthly payment is 2% of your total new balance, but not less than $10.00, plus the amount of any prior payments that you have not paid and/or any amount that exceeds your established line of credit.
The information about the cost of the cards described in this brochure is accurate as of December, 2008. This information may have changed after this date. To determine what may have changed, please write to Ascend Federal Credit Union, P.O. Box 1210, Tullahoma, Tennessee 37388.
