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Eligibility

You may become a member of Cardinal Credit Union if you live, work, worship, or attend school in Ashtabula, Columbiana, Cuyahoga, Geauga, Lake, Mahoning, Portage, Summit, or Trumbull counties.

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Required Products

Select the following products required for membership

HOME BUYERS SAVINGS

Home Buyers Savings

Min Deposit: $500.00

PRIMARY SAVINGS

The Savings Account is the main account for every credit union member. Every member is required to open a Savings Account and maintain a $5.00 minimum balance to remain an active member. This account begins paying dividends with a minimum $100.00 average daily balance.

APY: 0.05% Min Deposit: $5.00

In addition, select one of the following products

Available Products

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.50%	0.50%	$15,000.01	$5.00	N/A
.	1.00%	1.00%	$0.00	$5.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.05%	0.05%	$1,000.00	$1,000.00	N/A
.	0.10%	0.10%	$10,000.00	$1,000.00	N/A
.	0.15%	0.15%	$25,000.00	$1,000.00	N/A
.	0.20%	0.20%	$50,000.00	$1,000.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.00%	0.00%	$0.00	$20.00	N/A
.	0.10%	0.10%	$500.00	$20.00	N/A
.	0.15%	0.15%	$2,500.00	$20.00	N/A
.	0.20%	0.20%	$5,000.00	$20.00	N/A

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Funding

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Total Deposit

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Credit Card (max $500.00)

Transfer From Another Financial Institution (max $5,000.00)

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Internal Transfer

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

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Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

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Mailing Address

Country

Address

Zip

City

State

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Tell Us About Yourself

Click or tap here to pre-fill information with your driver's license

Personal Information

SSN

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Housing Payment

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

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Upload any necessary documents, including valid picture ID, to support your request.

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Do you have any beneficiaries?

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Do you have another applicant?

Yes

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Scan Result

Name

DOB

Sex

Address

License Number

Issued Date

Expired Date

Scan Result

Name

DOB

Sex

Address

License Number

Issued Date

Expired Date

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Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

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Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

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About Your Joint Applicant

Click or tap here to pre-fill information with your driver's license

Personal Information

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

Upload Documents

Upload any necessary documents, including valid picture ID, to support your request.

Click or tap here to capture or upload an image or document.

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Tell us about your beneficiaries

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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Tell us about your beneficiary percent shares

Other Products

Total beneficiary percent share: 0.00%

Please indicate the percentage of the payout each beneficiary will receive:

Total

0.00%

Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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Review and Submit

Product Selections

Additional Application Information

Applicant Information

Contact Information

Identification Information

Secondary Identification Information

Address

Employment Information

Previous Employment Information

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Secondary Identification

Joint Applicant Address

Joint Applicant Employment Information

Beneficiary Information

Funding Source

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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.

Disclosure links must be reviewed prior to acknowledgment.

By Acknowledging, I/we agree to the terms and conditions of the Membership and Account Agreement, Truth-in-Savings Disclosure, Funds Availability Policy Disclosure, if applicable, and to any amendment the Credit Union makes from time to time which are incorporated herein. I/We acknowledge receipt of a copy of the Agreement and Disclosures applicable to the accounts and services requested herein. If an access card or EFT service is requested and provided, I/we agree to the terms of and acknowledge receipt of the Electronic Funds Transfer Agreement. I understand and agree that acknowledging the disclosures within this application constitutes, and will be considered the same as a signature I would provide in person on an Account Card, and is legally binding to the accuracy of the information and agreed compliance as a member of Cardinal Credit Union.
Membership and Account Agreement Disclosures

The Internal Revenue under penalties of perjury, I certify that: (1) The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued), and (2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and (3) I am a U.S. citizen or other U.S. person. For federal tax purposes, you are considered a U.S. person if you are: an individual who is a U.S. citizen or U.S. resident alien; a partnership, corporation, company, or association created or organized in the United States or under the laws of the United States; an estate (other than a foreign estate); or a domestic trust (as defined in Regulations section 301.7701-7). (4) The FATCA code(s) entered on this form (if any) indicating that I am exempt from FATCA reporting is correct.
By clicking, you authorize us to verify the information you have submitted and to obtain credit reports concerning you. Upon your request, we will inform you if a credit report was obtained and give you the name and addresss of the credit reporting agency that supplied 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.

USA PATRIOT ACT Regulations

To help the government fight the funding of terrorism and money laundering, Federal Law requires that all financial instituitions obtain, verify, and record information that identifies each person that opens an account or requests credit. What this means for you: when you open an account we will ask you for your name, street address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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Product Type	Maximum Deposit	Your Requested Deposit
Checking
Savings
Certificate

Fund via Internal Transfer

Fund via Credit Card

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Transfer from another financial institution

Co-Driver's License Scan

Driver's License Scan

Other Products

Document Upload Source Selector

Document Upload Source Selector

USA PATRIOT ACT Regulations

One-Time Passcode

Document Verification

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New Membership

Application Cancelled

Funding

Fund via Internal Transfer

Fund via Credit Card

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Transfer from another financial institution

'Doing Business As' Information

Tell Us About Yourself

Co-Driver's License Scan

Driver's License Scan

Minor Applicant Information

Joint Applicant Information

Beneficiaries Information

Beneficiaries percent share information page

Other Products

Document Upload Source Selector

Document Upload Source Selector

Review and Submit

USA PATRIOT ACT Regulations

One-Time Passcode

Authentication Questions

Document Verification

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Document Verification

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