A Private Note to Our Members:
Our credit union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union.
As a member of our credit union, you also have a responsibility to safeguard your financial information.
Our credit union will collect only the personal information that is necessary to conduct our business. That means what is necessary to provide competitive financial products and services – no more.
Our credit union will protect your personal information. Our credit union will maintain strong security controls to ensure that member information in our files and computers is protected. Where appropriate, we will use security-coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.
Our credit union will only share information when absolutely necessary. We will only share information to administer the products and services we provide, when required to do so by law, or when we partner with other businesses to offer a broader array of products and services.
Our credit union will partner only with businesses that follow strict confidentiality requirements. The business we select will offer products designed to enhance our members’ economic well being. Under no circumstances will we authorize these firms to charge your account without your express consent, and will not sell member information to telemarketing firms.
It is the Member’s Responsibility to keep your information current so that the credit union can ensure accurate mailing to help keep their information secure.
Furnishing Negative Information to Consumer Reporting Agencies
We will report information about your account to credit bureaus.
Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
Your credit report provides a glimpse of how financially responsible you are. Maintaining a clean credit report is vital to your financial well being. Negative information in your credit report will lower your credit score. Your credit score can be reviewed by lenders, insurers, landlords, and even potential employers. With a low credit score you will be more likely to:
Be denied future credit
Be offered lower credit limits
Pay higher rates on the credit you do receive
Please make your payment on time and always pay at least the minimum amount due to assure that negative information regarding your accounts with us will not appear on your credit report.