Latitude 32 Credit Union Membership

If you’d like to participate in a better way of banking, we invite you to join the Latitude 32 family. Becoming a member is as simple as opening an account with us. As soon as you start your banking experience, your membership begins.

You’ll be able to take advantage of our financial services department, checking and savings account perks, lower loan interest rates, the list goes on, but these are a few of the many offerings you’ll have access to.

We want you to think of Latitude 32 as more than just a place to store and borrow money. We want you to know you’re taking advantage of all the perks of banking with us. We can help you navigate a steady course through all of life’s challenges and opportunities, so you can sail smoothly into a brighter tomorrow.

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Membership Benefits

Why become a credit union member instead of joining a bank? At a bank you are simply a customer, at a Latitude 32 you’re more than just another account number, you’re part of our community. You can be comfortable in the fact that you are a part of a locally minded, fiscally responsible financial institution who deeply cares about Charleston. When you join, you will also have access to:

  • Lower loan rates and expert advice
  • Consistently higher savings rates
  • Debit Cards
  • Insurance Discounts
  • Purchase Rewards
  • A personal banking experience with a smile and a familiar face
  • Savings and checking account
  • Credit cards
  • Credit Reports/Credit Scores
  • Discounts for the following
  • Invest in America

Who Can Join?

Membership is open to anyone who lives, works, worships, volunteers, attends school, or belongs to any organization that operates in Charleston County, as well as their family members.

How to Join?

We’ve made it easy to start enjoying the benefits of better rates, fewer fees, and greater rewards. Simply bring in a valid government-issued ID, with a local address, along with a one-time $5 membership fee. You will be asked to open a savings account with a minimum deposit of $25. Your $25 deposit makes you an owner and as long as you maintain your $25 balance, you’re eligible for all the services we offer.

Why Latitude 32?

We are federally insured and recognized credit union. We are not for profit and serve over 7000 local Charleston individuals with our products and services. Your savings are federally insured by the NCUA to at least $250,000 and backed by the full faith and credit of the United States Government. We are a local business that is for the people in our community and with that, we want to help our community financially thrive.

Member Application

Account Card, Membership Account and Services Application

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APPLICANT DETAILS

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JOINT APPLICANT DETAILS

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Authorized Signatures

By signing up below you acknowledge and agree to all terms, disclosures, and representations by you made herein and on your online applications.

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I understand and agree that the Patriot's Act of 2001 obligates all persons seeking to open an account to fully comply with the identity verification requirements of the Bank Secrecy Act, as amended from time to time. Transactions to/from any accounts may be limited until ID verification of all persons is completed.

I certify (1) that the number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and (2) I am not subject to backup withholding because: (a) I am exempt from back-up withholding, or (b) I have not been notified by the Internal revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding and (3) I am a U.S. person (including a U.S. resident alien.Certification Instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return..

SIGNATURES, CONSENTS AND AGREEMENTS:

Each applicant, authorized user or other party signing this Card, (together herein referred to as “applicant(s)”) hereby makes application for the account(s)/services and/or membership as indicated and agrees to conform to the Bylaws, as may be amended, of Latitude 32 Federal Credit Union ("Credit Union"). Applicants certify the signature(s) on this card apply to all accounts designated above; and all information provided is true and correct. Applicants also acknowledge receipt and agree to be bound by any terms and conditions in this card, and in the Accounts & Services of the Credit Union Booklet, Truth-in-Savings Act Rate and Fee Schedule, and any Special Account or other separate Account Service Applications or Agreements as amended from time to time, which are incorporated herein by reference. Each applicant consents that the Credit Union may undertake to verify their eligibility for any account(s) and service(s) now and in the future. In addition, all applicants authorize us to make inquiry to determine your employment history and to obtain information concerning any accounts with other institutions and your credit history, including any credit reports. Applicants specifically consent that the Credit Union may report information concerning their account(s)services to others; and that we may provide the reasons should we determine you to be ineligible for any services or to be an authorized person/user to the other applicants. All present and future deposits to the account(s) designated above secure payment of any account owner's obligations to the Credit Union. If any representative capacity is indicated on the reverse side, the Credit Union shall provide all statements, notices and other information only to the person designated as having authority (e.g., a “trustee’).