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Home > Member Resources > GEMC Federal Credit Union Frequently Asked Questions

Frequently Asked Questions

How do I apply for a loan?

Applicants need to complete a Loan Application. Which you can fill out by clicking 'Apply Now' below.  If you prefer, can also obtain a physical Loan Application through your on-site representative, or by calling the Credit Union and we will be happy to mail one to you. 

APPLY NOW

How long do I have to be a member before I can apply for a loan?

You may apply for a loan as soon as you become a member. There are no membership time requirements for submission of a loan application.

How do I add/remove a joint owner to/from my account?

To add a joint owner you will need to complete a new membership application, which you and the joint owner(s) sign where indicated. To remove a joint owner, a new account is opened and a membership application is completed listing the new member and joint owner(s).

How do I change my payroll deduction?

For members at EMCs, your loan officer can help you change your deduction amounts. Members who have deductions through the ACH (Automated Clearing House) system, your employer can help you. If you would just like to rearrange how your payroll is being distributed visit a Credit Union branch.

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