All members meeting the criteria listed below are eligible to apply for a loan. Applying for a loan does not guarantee approval of a loan application; loan approvals are dependent on a number of factors including credit history and underwriting guidelines.

• All borrowers must be full-service Credit Union members with an open and funded Share Savings Account (minimum funding of $5 for individual accounts and $10 for joint accounts)
• Borrowers and co-borrowers must be 18 years of age or older at the time of application
• Primary borrowers must have a share account under the primary borrower’s name and SSN
• Co-borrowers must be named as either owner or joint owner on an S1 share account (note:  joint owners who do not meet the field of membership requirements are ineligible for loans)