Account/Associate Number_____________________ Date________________________

1 Instructions

 Whenever used in this application, the words Your and Your refer to the 
 applicants(s), and the words We, Us and Our refer to the Lender.

* Complete all the questions, or answer N/A.  We are unable to 
  process incomplete applications.

* Sign the Application

* Sign the Insurance Authorization on the reverse side.

* Complete Spouse information only if the following apply
	-This is for joint credit with Your Spouse.
	-Your Spouse will use Your Account.
	-You're relying on Your Spouse's income.
	-You live in a community property state: AZ, CA, ID, LA, NM, NV, 
	-TX, WA, WI (and Puerto Rico)

* Attach a copy of Your latest paycheck stub or tax return.

2 Type of Credit Applied For:

If you live in a community property state, are you:
Married    Separated   Unmarried (Single, Divorced, Widowed)

Married Applicants may apply for individual credit.  Would you like:
Individual Credit      Joint credit with your spouse

Amount Requested $_______________  Number of Months ____
Purpose _____________________________________________
Collateral Offered ______________________________________
*Vehicle _________________________________________________
Make ____________________  Model _____________________  Year ____ 

VISA Classic - No. of Cards
___________________________

VISA Gold - No. of Cards _______________________________________   

Yes, I want VISA Overdraft Protection for my Checking Account.
Yes, I want ATM Access on my VISA.

*Consolidation Loans _______________________________________
                         (Must List Bills to be Paid)
____________________________________________________________
____________________________________________________________
 
3 Applicant
Last Name ___________________________ First Name___________________ M.I._____
Address__________________________________________________________________________
City _______________________________  State ____________________  Zip __________
Drivers License Number_______________ Date of Birth ________________________
Social Security Number ______________ Home Telephone (___)________________
Name of Employer______________________________  Business Telephone (___)______________
Business Address___________________________________________________________________
Business City____________________________ Business State _________________________
Business Zip ____________________________  Hourly or Gross Monthly Pay ____________
Job Title/Shift__________________________ Date Employed _________________________
*Other Income (Source/Amount)_______________________________________________________
Number of Dependents______________ Mortgage Co/Landlord ________________________
Home: Rent  Own  Lease  Other   Mortgage or Rent $________________________________
Home Value $________________________  Total of all Monthly Payments $___________________
Child Support Payments $____________  401K and Investment Balances_________________
Auto Lease Payments $_______________ Deposit Balances _______________________
Personal Reference
Name _________________________________________
Address _______________________________________
City___________________________________________ State_________________ Zip __________
Telephone (___)___________________
*NOTE: Alimony, child support, or separate maintenance income need not be 
revealed if You do not choose to have it considered as a basis for this 
credit request.

4 Co-Applicant
Last Name ___________________________ First Name___________________ M.I._____
Address__________________________________________________________________________
City _______________________________  State ____________________  Zip __________
Drivers License Number_______________ Date of Birth ________________________
Social Security Number ______________ Home Telephone (___)________________
Name of Employer______________________________  Business Telephone (___)______________
Business Address___________________________________________________________________
Business City____________________________ Business State _________________________
Business Zip ____________________________  Hourly or Gross Monthly Pay ____________
Job Title/Shift__________________________ Date Employed _________________________
*Other Income (Source/Amount)_______________________________________________________
Number of Dependents______________ Mortgage Co/Landlord ________________________
Home: Rent  Own  Lease  Other   Mortgage or Rent $________________________________
Home Value $________________________  Total of all Monthly Payments $___________________
Child Support Payments $____________  401K and Investment Balances_________________
Auto Lease Payments $_______________ Deposit Balances _______________________
Personal Reference
Name _________________________________________
Address _______________________________________
City___________________________________________ State_________________ Zip __________
Telephone (___)___________________
*NOTE: Alimony, child support, or separate maintenance income need not be 
revealed if You do not choose to have it considered as a basis for this 
credit request.

5 Optional Credit Insurance

Credit Life and/or Credit Disability Insurance are not required to obtain credit
under this plan and, for Credit Line Accounts, will be included only if requested
immediately below by the APPLICANT.  The insurance ratse for Credit Line Accounts
are shown below.  For Credit Line Accounts, the insurance charge is calculated
each month by multiplying the outstanding balance of the Account on the last day
of that month by the rate shown.  For Closed-End loans, the total insurance premium
will be calculated and disclosed to You separately.



Monthly Premium Rates Per $1000 of Your Outstanding Loan Balance

You must CHECK ONE OR MORE of the boxes below.

CREDIT DISABILITY: Single Coverage - $2.59 Yes  No            VISA (Single Coverage) - $2.59 Yes  No

CREDIT LIFE: Single Coverage - $0.77 Yes  No            Joint Coverage - $1.26 Yes  No

Closed-End Loan Applicants - You must CHECK ONE OR MORE of the boxes below.

You are interested in Credit Disability Insurance    single coverage  no

 
NOTE: For Closed-End loans, an appropriate disclosure will be furnished if Your credit
is approved.  If this application is for a Credit Line Account and You are applying for
Credit Insurance.  You authorize Us to add the required premiums to Your Account, charge
a Finance Charge on the premiumsat the rate which applies to Your Account, and forward
such premiums to the Insurance Company.

X_________________________________________________________________________________________
SIGNATURE OF APPLICANT   

6 Signatures

You warrant the truth of the above information and You realize that it will 
be relied upon by Us in deciding whether or not to grant the credit applied
for.  You hereby authorize Us, Our employees and agents to investigate and 
verify any information provided to Us by You.  If this application is for 
any Feature Category contained in Our Credit Line Account Program, your agree
and understand that if approved, You are contractually liable according to 
the applicable terms of the Credit Line Account Agreement and Disclosure 
and promise to pay all amounts charged to Your Account according to its 
terms.  If this is a joint application, You agree that such liability is 
joint and several.  You will receive a copy of the Agreement and 
Disclosure no later than the time of Your first credit advance.  You 
authorize Us to accept Your facsimile signatures on this application
and agree that Your facsimile signature will have the same legal force 
and effect as Your original signature.  You assume any risk that may be 
associated with permitting Us to accept Your facsimile signature.






For Credit Card Applicants.  If You are issued a Credit Card, by signing below, 
You grant and consent to a lien on Your shares with Us (except IRA and Keogh 
accounts) and any dividends due or to become due to You from Us to the extent 
You owe on any unpaid Credit Card balance.

X___________________________________    X____________________________________
Applicant SIGNATURE             Date    Co-Applicant Signature           Date


 7 Important VISA Credit Card Disclosures

The following disclosure represents important details concerning Your Credit Card.  
The information about cost of the Card are accurate as of the effective date shown 
below.  You can call or write Us at Honda Federal Credit Union, Torrance Office, 
P.O. Box 2290, Torrance, CA 90509-9874, (800) 63-HONDA to inquire if any changes 
have occurred since the effective date.

ANNUAL PERCENTAGE RATE FOR PURCHASES	VISA Classic - 11.50% - 18.00% (2 )	VISA Gold - 6.90% (1 ) 9.90% (1 )
Grace Period for Repayment of Balances for Purchases	25 days on average
Method of Computing the Balance for Purchases	Average Daily Balance (including new purchases)
Annual Fees	None
Late Payment Fee	20% of the interest due, minimum $.05
Over the Credit Limit Fee	$10.00

(1) Introductory Rate. Your Account will be subject to an Introductory Rate of 6.90%
for the 6-month period immediately following the date that Your Account is established.
Any balance outstanding our Your Account on or after the expiration of the Introductory
Rate period will be subject to an ANNUAL PERCENTAGE RATE of 11.50%

(2) Rates depend upon our underwriting criteria

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