Alpine Mortgage Options - click each link to learn more	Term	APR
Conventional-1st Mortgage	30 Year	6.119% APR*
Mini Mortgage	5 Years	5.24% APR*
New Construction Loans	9 Months	5.99% APR*
Refinance	15 Year	5.696% APR*
Home Equity Loan	5 Year	6.74% APR*
Home Equity HELOC	15 Year	4.99% 6-month Intro Rate *Rate changes to Prime + 0.00% (VAR APR)

Spending (checking) Account/Overdraft Application

Application

Employment

Application Details

Disclosure For Checking Application

Welcome to the Alpine Credit Union Online Application Page. Please answer each question to the best of your ability to insure a quick and accurate response to your application.

Thank you, for choosing Alpine Credit Union!

Applicant Name*

First

Middle (Type N/A If None)

Last

Birth Date

Social Security #*

Applicant Contact Information

Street Address*

City*

Email*

Primary Phone*

Zip*

Secondary Phone

Co-Applicant Information

Co-Applicants Name*

First

Middle (Type N/A If None)

Last

Birth Date

Social Security #*

Email*

Secondary Phone

Primary Phone*

COMPLETE THIS SECTION IF: You are relying on your co-applicant’s income and credit history as a basis for this loan; or if your co-applicant will be contractually liable on the loan; or if you are relying on alimony, child support, or separate maintenance payments from a spouse or former spouse as a basis for repayment of credit requested; or if you live or are relying on property in a community property state ( AZ, CA, ID, LA, NM, NV, TX, WA.)

Untitled

Employment

Present Employer*

Start Date*

Employer Phone*

Gross Monthly Income*

Other Monthly Income

Check if co-applicant is not employed

Employer*

Start Date*

Gross Monthly Income*

Employer Phone*

Other Monthly Income

Application Details

Checking Account Type*

Please use this space to provide any information or notes you may feel we need to process your application.

Disclosure For Checking Application

PLEASE READ BEFORE ACCEPTING:

All the information in this application is true, I/We understand that it is a violation of state and federal law to knowingly make false statements on the application. You have my permission to check it. You may retain this application even if not approved. I/We understand that you may receive information from others about my/our credit history and that you may answer questions and request from others seeking credit or experience information about me/our or my/our accounts with you. The undersigned further understand that use of Visa card(s) constitutes our agreement to all terms, a copy of which I/We have received. If this application is approved, I/We agree to honor the provisions of the loan or credit and security agreements, as it may be amended, covering the loan or account. If this application is for two of us, this statement applies to both of us.

Checking Overdraft Agreement, Rates, Fees and Billing Rights.

I accept the terms and conditions as stated in the disclosure

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Step 1: Applicant

Account #:*

E-mail:*

Name

First

Last

Step 2: Disclosure for e-Statement Application

PLEASE READ BEFORE ACCEPTING: Electronic Statement Disclosure

The following disclosure addresses the necessary steps required in order to participate in and to receive products and services electronically from Alpine Credit Union.

Alpine Credit Union delivers monthly and quarterly statements to member account holders. If you agree to this disclosure and signup for the electronic statement product (e-Statements), monthly and quarterly statement information will be delivered electronically.

e-Statement Delivery

Enrolling in the e-Statement program will replace all mailed paper statements. After enrollment in the e-Statement program, you will begin receiving e-Statements on the first statement cycle. A statement cycle is defined as a month-end or quarter-end accounting period. Access to your statement information is provided through the credit union’s home banking program.

You will be required to sign up for Internet Banking access to receive your e-Statement. The e-Statement is easy to access and use.

Log on to your account
Click the e-Statement button
Statements are delivered in a PDF format
You can download the adobe reader for free at www.adobe.com
You have access to the last several statements on your account

Email Reminders

You will receive an email alert once your e-Statement is ready. The alert will be sent to the most current email address provided to the credit union. The email will contain a link to our Internet Banking. Once you login, click on the e-Statement button and you will have access to your account statements.

Statement Availability

Your e-Statements are available online for 24 months. Access to this information is available 24 hours a day, 7 days a week. You may also download and keep an electronic copy on your hard drive, or print a copy to your printer.

Enrolling for e-Statements

You can enroll for e-Statements at any time by visiting www.alpinecu.com and clicking on the e-Statements enrollment link.

Canceling e-Statements

You may “opt-out” of e-Statements anytime by contacting 801-225-0256, or emailing service@alpinecu.com.

Hardware and Software Requirements

You need the following hardware and software to access your e-Statement:

A computer and internet browser that can support 128-bit encryption
Internet access
Adobe reader, (statements are available in PDF format
Access to a printer of a hard drive to store and/or print your statements
Email address

We also recommend you keep your computer up to date with the latest security updates and patches.

Email Address Changes

In order to provide e-Statements, we must maintain current member email addresses. It is your sole responsibility to provide the credit union with your contact information, including your email address.

You should notify the credit union of any change in your email address. You can update your email address online, under the member options button of the home banking system.

Proceed with Acceptance of e-Disclosures

With your acceptance below, you agree to accept periodic account statements in an electronic format. You also agree that you have the necessary equipment for accessing and viewing e-Statements. You also agree to notify the credit union if you change your email address or if you no longer want to receive statements electronically. IF you decide not to enroll for e-Statements, DO NOT hit the "Send" button below. You can still enroll at a later time, should you desire to do so.

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Business Savings Application

Applicant Details

Business Details

New Business Eligibility

Disclosure

Welcome to the Alpine Credit Union Online Application Page. Please answer each question to the best of your ability to insure a quick and accurate response to your application.

Thank you, for choosing Alpine Credit Union!

Principal Information

Principal Contact*

First

Middle (Type N/A If None)

Last

Birth Date

Social Security #*

Drivers License #*

Principal Contact Information

Street Address*

City*

Zip*

Email*

Phone*

Business Details

Business Name*

Business Tax ID #*

Business Street Address*

City*

Zip Code*

Are there multiple owners and principles? If so, please list the name, title and phone of each:

New Business Eligibility

Relatives Name*

First

Middle

Last

Relationship to Relative*

Relatives Account #

DISCLOSURE FOR BUSINESS SAVINGS APPLICATION

PLEASE READ BEFORE ACCEPTING: All the information in this application is true, I/We understand that it is a violation of state and federal law to knowingly make false statements on the application. You have my permission to check it. You may retain this application even if not approved. I/We understand that you may receive information from others about my/our credit history and that you may answer questions and request from others seeking credit or experience information about me/our or my/our accounts with you. The undersigned further understand that use of Visa card(s) constitutes our agreement to all terms, a copy of which I/We have received. If this application is approved, I/We agree to honor the provisions of the loan or credit and security agreements, as it may be amended, covering the loan or account. If this application is for two of us, this statement applies to both of us.

Is there anything else you would like us to know in regards to your application?

I accept the terms and conditions as stated in the disclosure

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BILL PAYING AGREEMENT/TERMS & CONDITIONS

ELIGIBILITY:

To be eligible for Alpine Credit Union Bill Pay you must have the following services:

Checking Account
Internet Banking Access

This is your bill paying agreement with Alpine Credit Union. You may use Alpine Credit Union's bill paying service, ACU Billpay, to direct Alpine Credit Union to make payments from your designated checking account to the Payees you choose in accordance with this agreement. The terms and conditions of this Agreement are in addition to the Account agreements, disclosures and other documents in effect from time to time governing your account.

Account (the Account Rules)

"You" or "your" means each person who is authorized to use the service. "Payee" means anyone, including the Financial Institution, you designate and the Financial Institution accepts as a payee.

HOW TO SET UP PAYEES/PAYMENTS

Complete a bill paying enrollment form. IF YOU WANT TO ADD A NEW PAYEE, USE "SET UP ACCOUNTS/PAYEE" ON THE INTERNET OR SPEAK TO A SERVICE REPRESENTATIVE. You may add a new fixed payment to a Payee, only if the Payee is on your authorized list of payees, and by accessing the Service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the Service. The Financial Institution reserves the right to refuse the designation of a Payee for any reason. Each Payee accepted by the Financial Institution will be assigned a payee code. You may pay any payee you wish in the US. The Financial Institution is not responsible if a Bill Payment cannot be made due to incomplete, incorrect, or outdated information provided by you regarding a Payee or if you attempt to pay a Payee that is not on your Authorized Payee list.

THE BILL PAYING PROCESS

Single Payments

A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment's process date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, which is controlled by the financial institution, is currently 2:00 pm. A single payment submitted after the cut-off time on the designated process date will be processed on the following business day. If you designate a non-business date (generally weekends and certain holidays) as the payment's process date, the payment will be processed on the first business day following the designated process date.

Recurring Payments

When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:

If the recurring payment's "Pay Backward" option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date. If the recurring payment's "Pay Backward" option is not selected (or if the "Pay Backward"option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date.

For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid west subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated.

You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to Alpine Credit Union Alpine Credit Union reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the account and the Financial Institution has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree that Alpine Credit Union, at its option, may charge any of your accounts with Alpine Credit Union to cover such payment obligations.

The financial institution reserves the right to change the cut-off time. You will receive notice if it changes.

LIABILITY

You are solely responsible for controlling the safekeeping of, and access to, your Personal Identification Number (PIN). You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. If you want to terminate another person's authority, you must notify Alpine Credit Union and arrange to change your PIN. You will be responsible for any Bill Payment request you make that contains an error or is a duplicate of another Bill Payment. Alpine Credit Union is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment. Alpine Credit Union is not liable for any failure to make a Bill Payment if you fail to promptly notify Alpine Credit Union after you learn that you have not received credit from a Payee for a Bill Payment. Alpine Credit Union is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be Alpine Credit Union's agent. In any event, Alpine Credit Union will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Service, even if Alpine Credit Union has knowledge of the possibility of them. Alpine Credit Union is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond Alpine Credit Union's reasonable control.

Amendment and Termination

Alpine Credit Union has the right to change this Agreement at any time by notice mailed to you at the last address shown for the Account on Alpine Credit Union's records, by posting notice in branches of Alpine Credit Union, or as otherwise permitted by law.

Alpine Credit Union has the right to terminate this Agreement at any time. You may terminate this Agreement by written notice to Alpine Credit Union. Alpine Credit Union is not responsible for any fixed payment made before Alpine Credit Union has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by Alpine Credit Union on your behalf.

Fees

Their is no monthly fee for Alpine Credit Union Bill Pay, and it allows an unlimited number of monthly payments. A $25.00 fee will be charged on all transactions with insufficient funds.

Additional Charges for Customer requested Services and Other Items

These charges will only be assessed if you request one or more of the services listed here. There will be NO charge for any item if needed to correct an Alpine Credit Union error.

Written Correspondence to Payee: $10.00

Per proof of Payment not necessitated by a dispute: $10.00

Payments returned due to customer error: $5.00

Alpine Credit Union reserves the right to charge you for research time involving payments no longer available in your screen history. You will be informed of any such charges before they are incurred.

Bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic Fund Transfers Disclosure Statement received when you opened your account, which discloses important information concerning your rights and obligations.

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MORTGAGE RATES

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Spending (checking) Account/Overdraft Application

Birth Date

Applicant Contact Information

Co-Applicant Information

Birth Date

Employment

Application Details

Disclosure For Checking Application

Step 1: Applicant

Step 2: Disclosure for e-Statement Application

Business Savings Application

Principal Information

Birth Date

Principal Contact Information

Business Details

New Business Eligibility

DISCLOSURE FOR BUSINESS SAVINGS APPLICATION

BILL PAYING AGREEMENT/TERMS & CONDITIONS

New Member Account Application

Employment Information

Member Eligibility