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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Thank you for considering Tower for your financial services needs. We are sorry that we cannot continue with your application for the following reasons:
Additional Applicant Previous Employment Information
Additional Information
Additional Applicant Additional Information
Please answer the following question(s)
By submitting this application I understand that Tower membership is required to complete the loan process. Applicants that are not a member of Tower will establish membership as part of the loan closing.
Are you an existing member of Tower Federal Credit Union?*
Please indicate how you are eligible for membership with Tower - employed by a business or a member of an association within Tower's field of membership; or related to a current Tower member.*
Please select your current employer which makes you eligible for membership with Tower.*
Please select the association you are member of which makes you eligible for membership with Tower.*
Please indicate the relationship between you and the current Tower member you are related to, which makes you eligible for membership.*
Please indicate the name of the current Tower member you are related to or share a household with.*
Making a $35 donation to our TowerCares Foundation makes you eligible for membership at Tower! If your loan application is approved, you will receive an email with instructions for initiating your membership and making your donation.*
Enter Mother's Maiden Name for the Primary Applicant.*
Enter the requested credit limit, if changing.
Requested Credit Limit*
By submitting this application I understand that electing new coverage or choosing no coverage will overwrite/remove any existing credit life or debt cancellation coverage on my current card.*
Would you like to transfer balances from other credit cards (balances from existing Tower credit cards are excluded) to your new Tower Mastercard?*
If yes, please list the credit card(s)/creditor(s) and current balances(s) you wish to be paid with this balance transfer.*
Would you prefer to receive documents electronically?*
Would you like to receive text communications about your loan application?*
Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?
Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?
MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?
Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?
Read, Sign and Submit
Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.
You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
Email Agreements & Disclosures
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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Authorized users can make purchases with the card. However, they are not the primary account holder and cannot make changes
to the account, such as requesting a credit increase or adding more authorized users. Primary account holders are responsible
for the repayment of all debts on the account, including all transactions made by authorized users.
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