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You authorize us to contact your employer and obtain information we need and you consent to release of that information to us.Important Information about Opening a New Account To help the 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.When we or our agents make calls to you, we may use automatic dialers and/or text, or prerecorded messages.You agree that this authorization applies to each phone number that you provide to us now or in the future.Telephone Calls, Call Monitoring, and Recording When you give a phone number to us or our agents you authorize us or our agents to place calls to you at that number for our business purposes in accordance with applicable law.You understand that a “phone number” includes a home phone number (including any home phone number that is later converted to a cell phone number) and/or a cell phone number.Membership Eligibility and Information To join the Credit Union you must meet the membership requirements including purchase and maintenance of at least one (1) share (“membership share”) as set forth in the Credit Union’s Bylaws.You authorize us to check your account, credit, and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your identity and/or eligibility for the accounts and services you request.

The APR is subject to change quarterly on the first day of January, April, July, and October to reflect any change in the Index. The APR will never be greater than 18% or the maximum rate allowed by law, whichever is less.

Variable Rate Feature: This plan has a variable rate feature and the annual percentage rate, (corresponding to the periodic rate) minimum payment and/or the length of the plan may change.

The annual percentage rate includes only interest and no other costs.

Any increase in the APR will result in an increase in the payment amount every 28 months as needed, until what you owe has been repaid.

Extended Term Certificate Loans: The Annual Percentage Rate (APR) will be adjusted periodically to remain 3% over the dividend rate of the Tower Federal Credit Union Share Certificate, which is set at the discretion of Tower Federal Credit Union.

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