Resources
Every form and document, in one place.
Applications, disclosures, agreements, calculators, and guides. If you cannot find what you need in two minutes, call us and we will email it to you.
Forms
The ones members ask for most.
Most can be filled in on screen, signed digitally, and sent back through secure messaging in online banking.
Account forms
| Form | Use it to | How to return it | Download |
|---|---|---|---|
| Membership application | Join and open your first account | You may complete it at home, but every signer must sign it in person at the credit union office. | Open form PDF, 163 KB |
| Beneficiary designation | Say who receives the account upon account owner(s) death | Credit union office, signature required. | Open form PDF, 18 KB |
| Card dispute form | Report a charge you did not authorize, or one the merchant will not resolve | Send it to Amber at amber@ridgelinecu.com, or bring it to the credit union office. | Open form PDF, 275 KB |
| Wire transfer request | Send funds by wire | Credit Union in person only, photo ID required. | Open form PDF, 120 KB |
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Loan forms
| Form | Use it to | How to return it | Download |
|---|---|---|---|
| Consumer loan application | Apply for auto, personal, or share-secured | Apply online instead, it is faster | Open form PDF, 265 KB |
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Do not email a completed form. Most of these contain your account number or Social Security number. Send them through secure messaging in online banking, bring them to a branch, or mail them. Regular email is not secure.
The fine print, unhidden
Disclosures and agreements.
The documents that actually govern your accounts. We would rather you read them than take our word for it.
Fee schedule effective 7/1/2024
| Document | What it covers | Download |
|---|---|---|
| Agreements and Disclosures | Membership and account agreements, Truth-in-Savings disclosures, electronic services agreement, funds availability policy, wire transfer agreement, and the privacy policy disclosure. This is the document we give you at account opening and annually after that. | Open document PDF, 272 KB |
| Fee schedule | Effective 7/1/2024. The fees that may be assessed against your account | Open document PDF, 153 KB |
| Incoming wire instructions | The routing details a sending institution needs to wire money into your account | Open document PDF, 45 KB |
Scroll sideways to see every column on a small screen.
Want a paper copy? Call (801) 328-1521 and we will get it to you.
Run the numbers
Calculators.
Estimates, not offers. Bring the result to a loan officer and we will tell you the real number.
Learn
Guides worth the twenty minutes.
Written by people here, for situations that actually come up on this coast.
Buying your first home on the coast
Down payments, flood zones, wind coverage, and what closing costs actually run here.
Building credit from scratch
What a score is made of, what actually moves it, and what to ignore.
A budget that survives hurricane season
Building the cushion, what deductibles look like here, and how to rebuild after you use it.
Current scam alerts
What is circulating right now, updated whenever we see a new one hit members.
Teaching kids about money
Age-by-age, with the youth account features that make each stage easier.
Retiring with what you have
Social Security timing, rollovers, and making the math work without a windfall.
Switch kit
Moving your accounts, on one page.
The checklist and the two forms that do 90% of the work. Print it, work down the list, and cross things off.
- Step 1. Open here and write down your new account and routing numbers
- Step 2. List everything that drafts from the old account, using two months of statements
- Step 3. Move direct deposit first, then each automatic payment
- Step 4. Wait one full pay cycle, confirm nothing else hit, then close the old account
What is in the packet
- Direct deposit form Pre-filled with our routing number
- Automatic payment list A worksheet to fill in
- Account closure letter Template for your old bank
- Timeline One pay cycle, start to finish
Keep the old account open until every automatic payment has cleared from the new one at least once.
Security
If your card is lost or stolen.
Three things to do today, in the order that limits the damage.
Freeze the card, then call
Freeze it in Card Suite Lite in a few seconds, then call the card line at 1-855-961-1602, staffed 24 hours a day, 7 days a week. You will also need to call the credit union at (801) 328-1521 during business hours so we can order the replacement. Do not wait until morning, because your liability depends on how fast you tell us.
File the report
Identity theft gets reported at IdentityTheft.gov, which generates the recovery plan and affidavit that creditors ask for. File a police report too if money left your account.
Freeze your credit
A freeze at all three bureaus is free and stops new accounts being opened in your name. You can lift it in minutes when you need to apply for something.
Questions
About forms and documents.
How do I get a form?
Download it from the tables above, or call (801) 328-1521 or come to the office at 564 East 300 South, Salt Lake City. There is no online membership application. You may complete the Membership Application at home, but every signer has to sign it in person at our office.
How do I send a completed form back?
In person at the office, by fax at (801) 355-3340, or by mail to Ridgeline Credit Union, 564 East 300 South, Salt Lake City, UT 84102. Card disputes go to Amber at amber@ridgelinecu.com. Otherwise, do not send a completed form by regular email. Most of these contain your account number.
Where do I find the current fee schedule?
It is in the table above, effective 7/1/2024. You can open the fee schedule here, or call us and we will send you a copy.
What happens when a link takes me off this site?
Ridgeline Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Ridgeline Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.
I need a document in an accessible format.
Call (801) 328-1521 or email info@ridgelinecu.com. We would rather hear about a document that is hard to use than have you struggle with it.
When can I reach someone?
Monday through Friday, 9:00 AM to 5:00 PM. Closed Saturday and Sunday. Call (801) 328-1521 or toll free 1-866-358-8548, or fax us at (801) 355-3340.
About these documents
Forms and disclosures are provided for your convenience. The version of a disclosure or agreement in effect at the time of your transaction governs your account, along with any change-in-terms notice we have sent you. The fee schedule posted here is effective 7/1/2024. If you need a prior version, call us and we will provide it. Completing a form does not by itself open an account, authorize a transaction, or approve a loan; all requests are subject to verification, and loan requests are subject to credit approval and membership eligibility.
Calculators produce estimates based on the information you enter and general assumptions. They are not an application, a quote, a commitment to lend, or a guarantee of rates, terms, or earnings. Your actual rate, payment, and earnings will be disclosed to you before you complete a transaction.
Ridgeline Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Ridgeline Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy. Some documents open in a separate window or require a PDF reader.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Ridgeline Credit Union is an Equal Housing Lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. Membership eligibility required. Routing Number: 324078417.