Individual Loan Application

Please be prepared to upload the following:

  • 2 forms of identification — Drivers License and a 2nd ID (the 2nd ID can be your SSN card, Work Photo ID, other government ID, passport, or current debit/credit card)
  • 2 most recent paystubs or 2 most recent bank statements if you have direct deposit

(If you are buying a car)

  • Buyers order
  • Insurance card

Applicant Details

Name *
Account No.
Number of Dependents *
Date of Birth *
Social Security Number *
Email *
Home Phone No. *
Business Phone/Ext. *
Cell Phone *
Present Address
Street *
City *
Zipcode *
Address Type *
Amount you pay *
Length at residence *
Previous Address
Address Type
Amount you pay
Length at residence
Complete for joint credit, secured credit or if you live in a community property state: *
Driver's License Number/State *
Previous Employer name and address if Employed less than five years

Employment / Income Details

Name of Employer *
If Self Employed, Type of Business
Address of Employer *
Supervisor's Name *
Job Title/Grade *
Start Date *
Hours at Work *

Notice: alimony, child support or separate maintenance income need not to be revealed if you do not choose to have it considered.

Attach 2 pay stubs or 2 complete bank statements to show your direct deposit
* Please make sure your pay stubs information is clear and readable. If not, we cannot process your application.
Upload 1st most recent pay stubs or bank statements
Upload 2nd most recent pay stubs or bank statements
Upload additional income document
Employment Income
Amount *
Other income
Are you in currently in the Military ?
Select *
Military: is duty station transfer expected during next year?
Select *
Ending / Separation date
Upload Signature *
Name *
Date *

Type of account(s)

Amount Requested *
Purpose/Collateral *

Repayment :

How Often? *
What would you like your payment due date to be * (Ex: 1st, month or 10th or each month Etc...)
How to make your payment *

Name of Payee *

Address *
City *
State *
Zip Code *
Area Code + Telephone Number *
Name of Person/ Institution Entitled to Payment *

ACH Payments

How often should we debit your account from your other financial institution?
ACH Amount *
Financial Institution Name *
Routing Number *
Account number *
Upload Pictures Of

1. A voided check or
2. Direct deposit form from other institutions or
3. Letter from your financial institution or
4. Bank Statement

(Note : (3 and 4) has to have your name on it, your routing number, and your account number )
Upload your documents...
Upload Signature * :
Name *
Date *

Transfer from your Richmond Heritage Account

Payment needs to be in account 24 hrs before payment date

Cash deposit at Richmond Heritage Federal Credit Union

If you select cash payment options, payment needs to be in branch by 5 pm on due date

Go To

You can click the Shared branch link or copy it into your browser to see a list of shared branches that you will be able to make payments.

Attach Documents

Buying a Car *

Do you have buyers order?

Attach Insurance
Attach Additional Documents
Attach Buyers Order

If applying for a Pre Approval to buy a car we need the following information

How much are planning to pay for car?

The year of the car cannot be more than ten years old from the current year. (Ex: If it is the year 2020 the year of the car you are considering cannot be any older than a 2010)

What type of car you planning to buy?

To apply for a pre approval, the Credit Union will need to pull your credit and will use the general information about the car that you keyed in.

Do you agree to have your credit pulled.

Next Steps Once you find a car, the car itself will need to be evaluated. It is possible that you could pick a car that is outside of what the credit union would finance. If that happens you will have to find another car within the pre approved guidelines or the loan would be declined.

Two IDs Required
* Please make sure your ID information is clear and readable. If not, we cannot process your application.
Upload Valid Driver's License *
Upload your documents...(Max File Size 10mb)
Upload 2nd ID - SSN Card Work ID, Debit Card, Credit Card, Passport. Voter's Card, Other Governmant ID *
Upload your documents...(Max File Size 10mb)

Payment Protection

Are you interested in having your loan protected? *
If you answer "yes", then the credit union will disclose the cost of this voluntary payment protection to you. A separate election which discloses the terms and conditions must be signed for protection to be effective.

Reference 1

Name of Relative not living with you *
Relationship *
Home Phone *
Street *
City *
Zipcode *

Reference 2

Name of Relative not living with you *
Relationship *
Home Phone *
Street *
City *
Zipcode *
* Please check all the details entered before submitting
Upload Signature *
Name *
Date *

Financial Obligations

Click on plus button to add more

List any names under which your credit references and credit history can be checked

What You Owe *
Creditor name other than this credit union * (attach additional sheet(s) if necessary)
Interest Rate *
Present Balance *
Monthly Payment *
Owed by *
Click on plus button to add more
What You Own *
List location of property or financial institution *
Market Value *
Pledged as collateral for another loan *
Owed by *

Other information about you

Are you a U.S. Citizen or permanent resident alien? *
Do you currently have any outstanding judgments or have you ever filed for 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, coa-signer or guarantor on any loan not listed above? For whom (name of others obligated on loan) *
For Whom (Name of others obligated on Loan) *
To Whom (name of creditor) *

State Law Notices

Are you an Ohio Resident only *
Ohio Residents Only

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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.

Signature of Ohio Residents *
Are you a Wisconsin Resident Only *
Wisconsin Residents Only

No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or has actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.

Signature of Wisconsin Residents *


You promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of what you owe. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension or collection of the credit received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA.
Applicant's Signature *
Name *
Date *