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Privacy and Other Related Policies

Summary of Privacy Policy for Members

Effective January 1, 2011 the federal government is requiring that our Privacy Policy be presented in a new format. This does not mean that our policy has changed. In order to see the new policy, click on this link.

As stated above, our policy has not changed. We collect nonpublic personal information about you from the following sources:

bulletInformation we receive from you on applications or other forms;
bulletInformation about your transactions with us, our affiliates, or others; and
bulletInformation we receive from a consumer reporting agency.

We restrict access to nonpublic personal information about you to those employees and officials who need to know that information to provide products and services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

We may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

If you decide to terminate your membership or become an inactive member we will adhere to the privacy policies and practices as described in this notice.

(Note: all members receive a full copy of our Privacy Policy Disclosure upon joining the credit union.)

A special note about "cookies"

With the exception of Flex Teller, this site does not place "cookies" on your computer for the purpose of collecting information.

Flex Teller requires that you have cookies enabled.  This is a security feature.  If you have signed onto Flex Teller, but there has been no activity for 20 minutes, Flex Teller will close the session.  This way if you have walked away from your computer no one else can look at your account.  In order to keep track of the time Flex Teller sends a cookie to your computer.

Compliance with the USA Patriot Act

Please refer to the statement below for information regarding Credit Union Plus compliance with the USA Patriot Act:

 

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will help us identify you.

We may also ask to see your driverís license or other identifying documents.

Notice Regarding Furnishing Negative Information to a Credit Bureau

In December, 2003 Congress passed the Fair and Accurate Credit Transactions Act (FACT Act) that made numerous changes to the regulation of credit reporting. One requirement was that a notice must be given to all Credit Union members regarding the credit union's policy on reporting to the credit bureaus. This notice does not mean that the Credit Union has changed its policy or practices regarding reporting information to the credit bureaus.  If you have questions, please contact us.

 We may report information about you to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report

Excessive & Luxury Expenditure Policy

Your credit union takes great pride in being very careful in controlling expenses. To view our policy that restricts any expenditure on luxury or other excessive items click on this link.

 

 

 

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