Online Banking

BSE VISA APPLICATION

You are eligible to join the credit union if you live, work, attend church or school in Berea, Middleburg Heights, Olmsted Falls, Olmsted Township or Brook Park, Ohio. Membership also extends to your immediate family members.

Please complete the information on this application to apply for any type of loan. All information is required in order to process your application.

After you have completed the form, press the "Submit" button to send your application.

Once your application is received at the credit union, a Loan Officer will contact you for additional information. INCOME VERIFICATION WILL BE REQUIRED. Please mail, fax or deliver a copy of your current pay stub to BSE Credit Union. Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases	10.99%
APR for Balance Transfers	6.99% Introductory APR until balance subject to Introductory APR is paid off. After that, your APR will be 10.99%.
APR for Cash Advances	10.99%
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

None

Transaction Fees

Balance Transfer
International Currency
Conversion Fee

$60.00 per Balance Transfer
1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars

Penalty Fees

Late Payment
Returned Payment

up to $37.00
up to $37.00

How we calculate your balance: We use a method called "average daily balance" (including new purchases). See your account agreement for more details.

Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to Your Account from 04/14/2025 until 06/30/2025. Any existing balances on BSE Credit Union Inc loan or credit card accounts are not eligible for the Introuductory APR for balance transfers.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Other Disclosures

Late Payment Fee	$27.00 or the amount of the required minimum payment, whichever is less, if you are seven (7) or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $37.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee	$27.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following the initial vialation, you will be charged $37.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee	$10.00

Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney's fees.

Periodic Rates

The Purchase APR is 10.99% which is a monthly periodic rate of 0.9158%.
The Introductory Balance Transfer APR is 6.99% which is a monthly periodic rate of 0.5825%.
The Balance Transfer APR is 10.99% which is a monthly periodic rate of 0.9158%.
The Cash Advance APR is 10.99% which is a monthly periodic rate of 0.9158%.

Required Field

*Will you be applying for an Individual or Joint Credit Card?

Joint Credit

By checking this box, I acknowledge that I'm the joint applicant on this credit card application.

*Marital Status: Complete marital status if this credit card is for joint or secured credit.

*Credit Limit

*First Name

*Initial

*Last Name

*Social Security Number

*Birthdate

*Home Phone w/Area Code

*Cell Phone w/Area Code

*Driver's License #

*Current Address

*City

*State

*Zip Code

*Years at Address

*Own/Rent

*Monthly Rent/Mortgage

Previous Address

City

State

Zip Code

Years at Previous Address

*Ages of Dependents

*Email Address

Personal Reference

*Name

*Relationship

*Phone Number w/Area Code

*Address

*City

*State

*Zip Code

*Do you have a Savings Account?

If yes, where?

Savings Account Number

*Do you have a Checking Account?

If yes, where?

Checking Account Number

*Are you a U.S. Citizen or Permanent Alien?

*Do you currently have any outstanding judgments or have you ever filed bankruptcy, had a debt adjustment plan confirmed under Chapter 13, had property foreclosed upon or repossessed in the last 7 years, or been a party in a lawsuit?

*Is your income likely to decline in the next two years?

*Are you a co-maker, cosigner or guarantor on any loan?

If yes, list the name of others obligated on the loan and the name of the creditor.

*Are you repsonsible for alimony or child support?

*Employer Name

*Address

*City

*State

*Zip Code

*Position

*Hire Date MM/DD/YYYY

*Supervisor's Name

*Work Phone w/Area Code

*Monthly Gross Wages

Other Income

Source

Previous Employer

Length of Employment

Position

First Name

Initial

Last Name

Social Security Number

Birthdate MM/DD/YYYY

Home Phone w/Area Code

Cell Phone w/Area Code

Driver's License #

Current Address

City

State

Zip Code

Years at Address

Own/Rent

Monthly Rent/Mortgage

Previous Address

Previous Home Address

City

State

Zip Code

Years at Previous Address

Ages of Dependents

Email Address

Personal Reference

Name

Relationship

Phone Number w/Area Code

Address

City

State

Zip Code

Do you have a Savings Account?

If yes, where?

Savings Account Number

Do you have a Checking Account?

If yes, where?

Checking Account Number

Are you a U.S. Citizen or Permanent Alien?

Do you currently have any outstanding judgments or have you ever filed bankruptcy, had a debt adjustment plan confirmed under Chapter 13, had property foreclosed upon or repossessed in the last 7 years, or been a party in a lawsuit?

Is your income likely to decline in the next two years?

Are you a co-maker, cosigner or guarantor on any loan?

If yes, list the name of others obligated on the loan and the name of the creditor.

Are you responsible for alimony or child support?

Employer Name

Address

City

State

Zip Code

Position

Hire Date MM/DD/YYYY

Supervisor's Name

Work Phone w/Area Code

Monthly Gross Wages

Other Income

Source

Previous Employer

Length of Employment

Position

Balance Transfer Request

Creditor

Account Number

Current Balance

Amount to Transfer

Creditor

Account Number

Current Balance

Amount to Transfer

Creditor

Account Number

Current Balance

Amount to Transfer

Authorize

I hereby authorize the Credit Union to whom this application is made, or any Credit Bureau or other investigative agency employed by such Credit Union, to investigate the references herein listed or statments or other data obtained from me or from any other source whatsoever pertaining to my credit and financial responsibility. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

You are hereby authorized to pay off the amount shown on the above charge account(s) by issuing the check(s) as indicated and adding the balance to my BSE Credit Union card account (may not exceed BSE Credit Union limit). Note: the credit union recommends you pay any minimum payments which are due within the next 15 days to avoid late charges caused by processing and mailing time requirements. This plan is treated the same as a purchase according to the terms set forth in the disclosure. By clicking here, I agree to the terms above.

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