Membership Documents for

Make your potential members’ lives easier when you provide them with easy-access forms and applications that start their process of belonging to your credit union. has supplied American for almost 40 years with the best compliant and customizable forms, documents, and disclosures.

Membership growth is vital for the health and sustainability of your credit union. Our Package makes new member installation effortless and efficient. Oak Tree’s membership documents for credit unions contain all the necessary forms and disclosures needed to maintain with all state and federal regulations. Your customized forms package will do all the heavy lifting for you.

Provide potential members with easy access to applications and forms to start the process of belonging to your credit union. Take a look at the following list and see how our documents can benefit your credit union:

Our Membership Packages include:

Credit Union Membership Documents

Master Membership Application

One multi-purpose deposit application that can be used for all account types and to document ownership, beneficiary designation, and electronic services elections.

Account Agreement

This section of the Agreements and Disclosures is used to describe policies.

Truth-In-Savings Disclosures

This section of the Agreements and Disclosures is used to describe applicable terms and conditions of accounts as required by the Truth-in-Savings Act.

Electronic Services Agreement and Disclosure

This section of the Agreements and Disclosures contains important information that covers your members’ rights and responsibilities under the Electronic Fund Transfer Act.

Funds Availability Policy Disclosure

This section of the Agreements and Disclosures describes the credit union’s policy related to withdrawing funds from transaction accounts.

Wire Transfer Agreement

This section of the Agreements and Disclosures covers the terms and conditions related to any request for a wire transfer of funds from an account.

Privacy Policy

This section of the Agreements and Disclosures is used to describe what the does with non-public personal information.

Account Disclosure Rate Supplement & Schedule of Fees and Charges

This document is designed as a convenient way to deliver rate and fee information as a companion piece to the Agreements and Disclosures.

Substitute Share Drafts and Your Rights

If applicable, this section of the Agreements and Disclosures contains important information related to any substitute share draft policy and necessary instructions. 

Oak Tree Membership Documents for Credit Unions
Membership
Oak Tree Consumer Lending ocuments for Credit Unions
Consumer Lending
Oak Tree Home Equity Documents for Credit Unions
Home Equity
Oak Tree Business Membership & Commercial Lending Documents for Credit Unions
Business Lending

Be sure to check out our Blog for some great Credit Union Membership Articles, and our Youtube for Credit Union Membership Videos.