Apply for a Loan
Loan Disclosure
Apply Now!
Money One now has
an online loan application available!
It's fast, it's easy, and you can check the status
of your loan online!
Note: You must already be a Money One FCU MoneyLink Home
Banking user to apply online.
If you would like more information on how to join the credit
union, click here. If you are already a member, but haven’t taken advantage
of the convenience of MoneyLink, click
here for information on getting started.
Once logged into
MoneyLink, simply click on the “Loans” button to apply for a New
or Used Auto loan, Signature loan, or Fixed Rate Home Equity.
You can expect an answer from a Money One representative
within one business day.
If you are interested in applying for an adjustable rate
Signature loan, adjustable rate Home Equity, Share, Money Market, or
Certificate Secured loan, please call the Credit Union at
(301)925-4600 or toll-free at (800)638-0232.
Money One Federal Credit Union Privacy
Policy
We
keep your information in the strictest of confidence and use it only
for purposes of conducting business with you. You can find out more
about this by viewing our privacy policy.
Important Notice: Our online loan application for credit
cards is
currently not available. Please contact us at (800) 638-0232
to apply over the phone or to request an application mailed or faxed
to you. We apologize for this inconvenience.
If you are applying for a credit card, the following is your required
disclosure information
| Annual Percentage Rate (APR): |
12.9%
- Visa Classic/Secured
9.9%
- Visa Gold |
| Annual Percentage Rate for Cash Advances
(APR): |
12.9%
- Visa Classic/Secured
9.9%
- Visa Gold |
| Grace Period for Purchases: | You have a minimum of 25 days to repay
your balance for purchases before incurring
finance charges. Cash advances begin
accruing interest immediately. |
| Balance Calculation method for Purchases: | Average Daily Balance, including New Purchases |
| Cash Advance | The finance charge on a cash advance will
begin to accrue on the date you obtain the
cash advance. |
| Cash Advance Fee: | 3% of advance with a $5.00 minimum. |
| Annual Fee: |
NONE |
| Currency Transaction Fee: | 1% of the transaction amount |
| Check Return Fee: | Maximum Permitted by Law up to $20.00 |
| Over-the-Limit Fee: | $10.00 |
| Late Payment Fee: | 5% minimum payment due or $10.00 whichever
is greater, if more than 10 days late. |
Important Notice:
There is a $50 loan application fee from members
who submit a third loan request within
a 90-day period, if the two previous requests
in that period have been denied.
|
