June 24, 2017
   

 

Equal Housing LenderEqual Opportunity Lender

 Federally Insured

by

NCUA

 

Spojnia Credit Union does its

best to be complaint with the

Americans with Disabilities Act (ADA)

Forms and Applications

Membership Application

Download - Membership Application

Download - Organization/Association/Club or Parish Membership Application

Membership and Account Agreement

(A Polish National Union of America insurance policy, annuity or social membership is required for Spojnia Credit Union membership).   

There are three easy ways to apply for a membership!

Download and complete the application:

1.       Bring it to the credit union (with the required identification and the minimum share deposit of $5.00).

2.       Mail it to the credit union (with the required identification and the minimum share deposit of $5.00). to: 

 

                                                                  Spojnia Credit Union
                                                                  1006 Pittston Avenue
                                                                  Scranton, PA 18505 

  3.     Fax it to the credit union at: 570-961-5961. When faxing the application be sure to include your identification. The original signed application, identification and the minimum share deposit of $5.00 must be mailed to the address above. 

The USA Patriot Act of 2001 requires Spojnia Credit Union to help the government fight the funding of terrorism and money laundering activities. Because of this federal mandate, we must obtain identifying information from you and verify the authenticity of that information before you can open a new account with us.

When you open a new account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask that you supply us with two forms of identification. At least one form must be a valid government issued picture form of identification and the other can be a non-photograph form of identification. We will accept identification from the following list:

 Valid (current) Government Issued ID or Driver’s License

  1. Government Issued Social Security Card
  2. Employer ID Card
  3. Student ID Card
  4. Passport
  5. Other National ID Document (Military ID, Voter’s Registration Card, Alien Registration, US Coast Guard Merchant Mariner Card, Native American Tribal Document
  6. Under 18 years of age may present a school, clinic, doctor, hospital, day care or nursery school record.
  7. Certified Articles of Incorporation, Government Issued Business License, Partnership Agreement, Representative Payee Documentation or a Trust Instrument.

Spojnia Credit Union appreciates your patience and understanding as we all do our part in complying with the new account identification procedures required by the federal government.

Share Certificate Application - Spojnia Credit Union Membership is required.

Download - Share Certificate Application

Download-Share Certificate Application for Parishes, Organizations and Associations

Print application and return to Spojnia Credit Union with initial deposit.

Vacation Club Application - 50 week club.  Checks are disbursed on April 1.  New club begins approximately the second Monday of April.

Download - Vacation Club Application

Christmas Club Application - 50 week club.  Checks are disbursed on October 1.  New club begins approximately the second Monday of October.

Download - Christmas Club Application

Loan Application

Download - Loan Application

This application is valid for the following loans: Signature Loans, SCU Select Loan,  New and Used Vehicle Loans, Holiday Loans, Collateral Loans and Share Secured Loans. Proof of income must be submitted with application. Spojnia Credit Union requires a pledge of $200.00 towards any loan and must be submitted with application. This application is not applicable for a Home Equity Loan. Contact Spojnia Credit Union for a Home Equity Loan Application or print application. Home Equity Loan Application

Signature Loan: Print loan application. Proof of income is required for applicant. (Co-applicant)

SCU Select Loan:  Print  loan application.  Proof of income is required for applicant. (Co-applicant).  For a limited time, you select the reason.  18 Months at 5.49% APR*, maximum $2500.00.

New and Used Vehicle Loans: Print loan application. Proof of Income, Dealer purchase order (Bill of Sale) including purchase price, VIN, year, model, make and mileage of vehicle must be submitted with application. Proof of full coverage insurance and proof that Spojnia Credit Union is listed as loss payee are required.

Used Vehicle Loan: Purchased from an individual. Print loan application. Proof of income, purchase price, VIN, year, model, make and mileage must be provided. Proof of full coverage insurance and proof that Spojnia Credit Union is listed as loss payee are required.

Holiday Loan: Print loan application and return with proof of income.

Collateral Loan: Print loan application and return with proof of income, title to vehicle and proof of full coverage insurance listing Spojnia Credit Union as loss payee.

Share Secured Loan: Print loan application and return to credit union.  Minimum $1000.00.  A hold is put on the shares in your account.

Other Titled Property (Recreational Vehicles) Loan:  Print loan application and return with proof of income. Spojnia Credit Union will finance both new and used recreational vehicles( Campers, Boats, Motorcycles, ATVs) with a bill of sale and value as determined by using the appropriate N.A.D.A.appraisal guide.  The certificate of title must list Spojnia Credit Union as lienholder and an insurance binder indicating adequate collision, comprehensive and liability coverage as well as lienholder.   

* Annual Percentage Rate

You may mail, fax or bring application with required paperwork to:

Spojnia Credit Union
1006 Pittston Avenue
Scranton, PA 18505                                                                                                                                                                                                                                                                                                                                                                         570-961-5961 (fax)
570-344-1513 - office

Organization Loan Application

Download - Loan Application

This application is valid for the following organization loans: Signature Loans, New and Used Vehicle Loans, Holiday Loans, Collateral Loans and Share Secured Loans. Correct documentation must be submitted with application. Spojnia Credit Union requires a pledge of $200.00 towards any loan and must be submitted with application.

Home Equity Loan

This application is good for Home Equity Loans only.  Download and return to Spojnia Credit Union with required documentation.  Download Home Equity Loan

 

The Spojnia Credit Union Smart Option Student Loan® by Sallie Mae®          

The Spojnia Credit Union Smart Option Student Loan® by Sallie Mae® - For borrowers attending degree-granting institutions.

Now you can pay for college the smart way with three great repayment options and competitive interest rates!  The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibility
  • No origination fees and no prepayment penalty
  • Multiple in-school repayment options available
  • Borrower benefits available - like rewards and interest rate redutctions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • 24/7 online account management 

Internet Banking Application

Download - Member Enrollment and Informational  Form

Organization Enrollment and Informational Form

Electronic Funds Transfer Agreement and Disclosure

This is an internet based financial service offered to members of the credit union.  This service is available twenty-four (24) hours a day, seven (7) days a week, providing the flexibility to take care of many financial transactions without visiting or calling the credit union. You can check balances, transfer funds, pay bills, and much more within the comfort of your own home.

Some of the services provided by internet banking and bill payer contain personal financial information and require that you pre-register with the credit union to obtain a password specifically for this service.  To access your account, you will need your user name and password. You will be asked to change your password the first time you use these services. The password you choose should be kept confidential and we recommend that you change your password regularly.

Spojnia Credit Union's Internet Banking and Bill Payer is a service for our members. However, the privileges given under the service may be canceled at any time.  The credit union reserves the right to refuse any transaction that would draw upon insufficient funds or lower an account below a required balance.

Print the enrollment form and return to Spojnia Credit Union.  By printing and signing this application, you are adhering to the rules and regulations set forth by Spojnia Credit Union.  You will receive information concerning this service with your user name and password.  

Ach Stop Payment and Written Statement of Unauthorized Debit

Spojnia Credit Union must obtain an ACH Stop Payment and Written Statement for Unauthorized Debit from its account holders prior to initiating a return for an entry the account holder claims is unauthorized, ineligible or improper. Regulation E provides the consumer protection for electronic transactions for a period of 60 days following the transmittal of the statement.  Unauthorized debit refers to an electronic funds transfer (EFT) withdrawn from a consumer account by an entity not authorized in writing by the consumer. Form must be signed and dated. Instructions    Download Form

Address Change Form  -  this form is used to update your address, phone number or  name change.  A copy of a current photo identification is needed when submitting this formDownload Form

Direct Deposit Form  -  this form is used for your employer to begin Direct Deposit to Spojnia Credit Union.  Download Form

Social Security Direct Deposit - this form is used to file your Social Security Claim.   Download Form

Polish National Union of America - Social Membership Application Download Form        

2017 Spojnia Credit Union's Scholarship Application  Download Form