Applying For Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse. All the forms requires a signature; May be faxed, mailed or dropped off at any Smart Financial Credit Union office. Loans.Apply for Personal or Signature Loan. Get your personal loan in Houston with the industry's best, Texas Bay Credit Union. Each step is described in detail later. A. Complete the Loan Application. Apply for a Business Loan using this online form. Start off with an estimated rate quote – No credit pull required. Fill out the short form below to hear from a Loan Officer within the next business day. There are many convenient options when applying for a loan at MemberSource.