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.
Before applying for a credit card, please note these credit disclosures.
Visa Platinum/Visa Gold/Visa Classic/Visa Student
Application and Solicitation Disclosure
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 9.50% to 18.00% when you open your account, based on your creditworthiness. |
| APR for Cash Advances | 9.50% to 18.00% when you open your account, based on your creditworthiness. |
| APR for Balance Transfers | 9.50% to 18.00% when you open your account, based on your creditworthiness. |
| Penalty APR and When it Applies | None |
| Minimum Interest Charge | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
| Fees | |
|
Transaction Fees
|
1.00% of each transaction in U.S. dollars |
|
Penalty Fees
|
10.00% Up to $25.00 (if applicable) Up to $20.00 |
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."
Effective Date. The information about the costs of the card described in this application is accurate as of November 1, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
| Late Payment Fee | 10.00% of past due amount up to $25.00, minimum of $10.00, if you are 14 or more days late |
| Statement Copy Fee | $10.00 |
| Document Copy Fee | $5.00 up to $50.00, thereafter $3.00 per item |
| Rush Fee | $35.00 |
| PIN Replacement Fee | $35.00 |
| Card Replacement Fee | $20.00 |
| Account Reconciliation/Account Research Fee | $25.00 per hour |
