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Member Services

Download a PDF of our product sheet here

If you are looking to simplify your onboarding, look no further. Conmar offers a wide range of Membership products to accomplish this task. Our integrated Member Services package includes the core disclosures for your credit union to open and establish a relationship with the member.

Consumer Lending

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No matter what type of Consumer lending...we've got you covered!

  1. Closed End

If your operations are cut and dry, closed-end lending then our closed-end lending package will fit perfectly. Our package is designed to document closed-end, fixed or variable rate (if applicable) secured or unsecured consumer installment loans and it combines the required Federal Disclosure, Credit Insurance Disclosure, the Promissory Note and the Security Agreement. The closed-end note is not designed for any type of real estate mortgage loan (1st or 2nd mortgage) where the borrower’s dwelling is the security for the loan.

  1. Closed-End Lending with an Open End Line of Credit

If your operations are more traditional then we have you covered there as well. Closed-end lending with a separate revolving open-end line of credit product is a more traditional method for consumer lending. Credit unions that implement closed-end lending can still continue to issue open-end products under a separate stand-alone agreement.

  1. Multi Feature Lending - MFL (Blended Open/Closed End Plan)

Multi-Featured Plans "MFL" that combine both replenishing (open end, such as a line of credit) and non-replenishing loan types (closed end, such as a vehicle loan).The forms include a master loan agreement that defines the covenants between borrower(s) and the credit union plus disbursement vouchers for both replenishing and non-replenishing loans. The closed-end Truth-in-Lending disclosure in the non-replenishing voucher gives the credit union the right to underwrite at time of a loan transaction under the Plan Agreement.

  1. Credit Cards - Visa or Mastercard

Separate express Application including the Solicitation Disclosure paired with the separate Credit Card Agreement and Disclosure create the perfect duo. Unlike other vendors, our credit card agreement includes the Opening Disclosure as part of the Agreement to eliminate the need for multiple Opening Disclosures and streamline the form process. Why pay for multiple forms you don’t need?

  1. Smart Checkit’s a winner for pre-approved loans.

Supplement your closed end lending with the Smart Check Pre-Approval. The Smart Check Pre-Approval allows your members to shop for a vehicle with pre-approved loan terms and a real live check in hand. This type of program empowers your members to be cash borrowers and negotiate the best price with franchise dealers knowing the loan terms (such as the APR and the maximum amount to be borrowed) up front. This helps avoid losing members’ loans to those swift F&I personnel at local dealers.

Mortgage Lending

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  1. Open End Home Equity Line of Credit (HELOC)

Open-end home equity loans are open-end credit plans secured by the consumer’s dwelling. Commonly referred to as open-end home equity lines of credit (HELOCs).

The term “Open-End Credit Plan” means a plan which meets all three of the following criteria: 1) the creditor reasonably contemplates repeated transactions, 2) the creditor may impose a finance charge from time to time on an outstanding unpaid balance, and 3) the amount of credit that may be extended to the consumer during the term of the plan (up to any limit set by the creditor) is generally made available to the extent that any outstanding balance is repaid.


  1. Closed End Home Equity or Refinance
Closed-end home equity loans are closed-end loans secured by the consumer’s dwelling. The credit union agrees to lend a specific amount of money to the member based on the equity in the dwelling being offered as security. The member agrees to repay the borrowed amount over a specified period of time at an agreed upon interest rate. The member cannot make future advances on any portion that is repaid. These types of loans are often referred to as closed-end home equity or second mortgage loans.

Business Membership

Download a PDF of our product sheet here

Our integrated package includes the core disclosures that’s tailored to meet the needs of your credit union and reduce the paperwork for you and your Business members. Our forms are compatibility with all data processors’ hardware and software or they can used as a stand-alone fillable PDF. All documents are written in clear, straightforward language, and are easy to use and understand.


Did you know? There are certain disclosures that have the same applicability as consumer accounts and as such you are not required to provide a specific "Business Only" version to business account members. The credit union may use their existing Consumer disclosures unless business accounts are handled differently in which case we would recommend providing a specific business disclosure for those accounts. We got you covered either way!

Commercial Lending

Download a PDF of our product sheet here

Now you can create a cost-effective Commercial lending system that’s tailored to meet the needs of your credit union. Our documents were designed to reduce the paperwork for you and your members and are compatibility with all data processors’ hardware and software or they can used as a stand-alone fillable PDF. All documents are written in clear, straightforward language, and are easy to use and understand.

Account Maintenance

Download a PDF of our product sheet here

From Membership to Commercial Lending there are many different maintenance/support forms and notices in use by credit unions. If you don't see a form listed on our product sheet we can search our forms library to try and locate it. We can also convert internal forms into electronic form compatible with your data processor/LOS system. If you have an internal form you need created, let us know and we'll be happy get you an estimate to have it setup to your system specifications.

Print Documents

Download a PDF of our product sheet here

Conmar have over 40 years’ experience within the Credit Union Industry designing forms and providing many different types of printed products. We started as a business forms distributorship with cut-sheet, ink on paper forms along with continuous feed multi-part NCR that are still used today surprisingly.

Our graphic design staff can assist you in developing marketing and operational forms, brochures, rack literature or any other forms you can dream up.


Focus on your members and well focus on the document compliance.

  1. The documents we deliver to the credit union comply with the most recent regulations as of that day.
  2. Going forward, we continue to maintain the compliance of our documents. If the regulations change that affect the documents we provide, you’ll be updated with information about the changes along with our plan to update those documents prior to the mandatory effective date.
  3. Updated documents are then sent to the credit union or data processor (electronic documents). Pre-printed or paper documents are updated as well and reprinted accordingly upon authorization of the credit union to reprint.

Compliance Support

For answers on document selection, usage and compliance questions regarding the documents we provide, contact your Conmar representative directly. You can also call/email our main office at 800-227-4931 or support@conmarsystems.com.

Compliance Digests/Newsletter

Current clients are informed about compliance and regulation changes thru our Compliance Digest email subscription as well as our newsletter.

Compliance Warranty

In addition, our $5 million compliance warranty covers the credit union in the event of a loss due to a compliance defect.


Our commitment goes far beyond the delivery of your documents. You can rely on our team for effective training on the documents we provide your staff and continued support after your documents are in use on your system.

Your One Resource for all forms credit union.

Member Services | Consumer Lending | Mortgage Lending | Business Membership | Commercial Lending | Account Maintenance | Print documents | Compliance

Serving the Credit Union industry over 40 years!