PRIVACY NOTICE

Information We Collect and Disclose About You

We collect the following nonpublic information about you from a variety of sources.

1.  From membership and loan applications and other forms, we obtain information such as name, address and phone number.

2.  From your transactions with us, or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions and credit card usage.

3.  From consumer reporting agencies, we obtain information such as your creditworthiness and credit history.

4.  From verifications of information you provide on applications and other forms, we obtain information on current and past employers, other financial institutions and other sources listed on the applications.

We may disclose information we collect about you under other circumstances as permitted by required by law.  These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, and follow your instructions as you authorize, or protect the security of our financial records.

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.

How We Protect Your Information

We restrict access to nonpublic personal information about yo to those employees who have a specific business purpose in using your data.  Our employees are trained in the importance of maintaining confidentiality and your privacy.  We maintain safeguards that comply with federal regulations.