Membership Eligibility, Loan, HELOC and Credit Card Application Disclosures

ARE YOU ELIGIBLE FOR MEMBERSHIP?
If you live or work in San Diego, Orange, or Riverside Counties, or are a family member of someone who already is a North Island Credit Union member, you are eligible for membership.
IMPORTANT NOTICE ABOUT PROCEDURES FOR OPENING AN ACCOUNT
To help the federal government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you:  When you open an account, we will ask for your name, 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.
All Applicants, the following Credit Union documents are available here for your review; we encourage you to do so now:
     Fees and Charges
     Privacy Policy and Terms of Use
Island Line of Credit or Prime Plus Line of Credit Applicants, please review:
     Island Line of Credit and Prime Plus Line of Credit Account Opening Disclosure
     Island 1 LOANLINER Credit Agreement
Island Rewards MasterCard Applicants, please review:
     Island Rewards MasterCard Important Application/Solicitation Disclosures
and Cardholder Agreement

Island Home Equity Line of Credit Applicants, please review:
    Important Terms of our Home Equity Line of Credit
    What you should know about Home Equity Lines Of Credit
 
I acknowledge that I am an existing member or am eligible for membership in the Credit Union. Further, I have had the opportunity to review the Credit Union's Fee Schedule and Privacy Policy.
 
Island Line of Credit or Prime Plus Line of Credit Applicants:
I have reviewed the Account Opening Disclosure and Island 1 LOANLINER Credit Agreement.
 
Island Rewards MasterCard
Applicants:
I have reviewed the Island Rewards MasterCard Important Application/Solicitation Disclosures and Cardholder Agreement.
 
Island Home Equity Line of Credit Applicants:
I have reviewed the "Important Terms of our Home Equity Line of Credit" and "What you should know about Home Equity Lines of Credit."


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