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Most credit cards are unsecured, which means they don’t require a deposit as collateral in case cardholders can’t pay off their debt. However, it is sometimes difficult for members with bad credit or no credit history to qualify for our unsecured credit card. Our Secured Card is designed for people with bad credit or no credit and made to help improve their credit worthiness. Since these members are considered a bigger risk by card issuers, they’re required to make a minimum deposit to their Regular Share Savings Account. The deposit amount can vary, but it’s typically equal to the credit card’s credit limit. For example, if the credit limit were $300, the deposit would also be $300.

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Declaration
1. Do you currently have any outstanding judgments or have you ever filed for bankruptcy, had a debt adjustment plan confirmed under Chapter 13, Had Property Foreclosed Upon or Repossessed in the Last 7 yrs, or been a party in a lawsuit?
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Financial Information


Monthly Expenses


Upload Documents

Optional: Please upload any files that may help expedite the approval of your loan application, such as current paystub(s), proof of paid collections, or other miscellaneous documentation. Any required documents for your loan will be requested from you by phone or email from an ACU Representative.
Co/Joint Declarations
1. Do you currently have any outstanding judgments or have you ever filed for bankruptcy, had a debt adjustment plan confirmed under Chapter 13, Had Property Foreclosed Upon or Repossessed in the Last 7 yrs, or been a party in a lawsuit?
2. Are you a Co-maker, Co-signer or Guarantor on any loan?
3. Is Your Income Likely to Decline in the next two years?
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