Membership Application
Apply for Encore Federal Credit Union membership.
Consumer Loan and Credit Card Application
Before you purchase your next new or used car, boat or motorcycle, be sure to see us first. Because we are a not-for-profit cooperative, we can offer you competitive rates. Speed up the process and get pre-approved for your loan. This will make shopping for your new vehicle much easier.
Consumer Loan and Credit Card Application Instructions:
- Complete both pages of the loan application. The “Signatures” section on the second page must be signed and dated.
- If using a co-signer, the “Spouse/Co-Applicant” section of the application must be completed. Both the applicant and co-applicant must sign, date, and initial the “Signatures” section on the second page of the application.
- Provide copy of drivers’ license, State ID, or passport for applicant and co-applicant.
- Provide verification of income (i.e. 2 current paycheck stubs, tax form, W-2, etc.) for applicant and co-applicant.
- Forward all signed original loan paperwork to the credit union.
- New or Used Vehicle from Dealer. Provide a copy of the Buyer’s Order showing the name of the dealership, year/make/model/VIN of the vehicle, purchase price, and amount owed.
- Used Vehicle from Private Party. Provide a copy of a Bill of Sale signed by you and the other party. If there is no lien on the vehicle, provide a copy of the title. If there is a lien on the vehicle, provide a payoff letter from the other financial institution showing the other party’s name, loan number, a 10-day payoff amount with a per diem, year/make/model/VIN, and the complete mailing address for the institution.
- Refinance. Provide a payoff letter from the other financial institution, as well as a copy of your original Buyer’s Order from dealership.
- New or Used Boat from Dealer. Provide a copy of the Buyer’s Order showing the name of dealership, year/make/model/VIN of the boat/engine/trailer, and amount owed. In addition, please provide a photograph of the boat for your file.
- Used Boat from Private Party. Provide a copy of a Bill of Sale signed by you and the other party. If there is no lien on the boat/engine/trailer, provide a copy of the title(s). If there is a lien on the boat/engine/trailer, provide a 10-day payoff letter from the other financial institution showing the other party’s name, loan number, a 10-day payoff amount with a per diem, year/make/model/VIN of the boat/engine/trailer, and the complete mailing address for the institution. In addition, please provide a photograph of the boat for your file.
- Signature Line of Credit, Visa, Personal Loan, and Pre-Approval Loan. Indicate the amount of credit desired.
