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Privacy

FACTS

 What does Consumer 1st Federal Credit Union do with your personal information?

Why?

 Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

 The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security Number and Income   Account Balances and Payment History  Credit History and Credit Scores   When you are no longer a member, we will not share your information except as permitted or required by law as described in this notice.

How?

 All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Consumer 1st Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Consumer 1st FCU share?

Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.    YES NO
For our marketing purposes – To offer our products and services to you YES NO
For joint marketing with other financial companies   YES NO
For our affiliates’ everyday business purposes – information about your transactions and experiences NO
For our affiliates’ everyday business purposes – information about your creditworthiness YES NO
For our affiliates to market to you YES YES
For non affiliates to market to you NO N/A

Who we are
Who is providing this notice? Consumer 1st Federal Credit Union

What we do
How does Consumer 1st Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings and computer safeguards. We also restrict access to personal information to those colleagues who need to know in order to provide services to our members.
How does Consumer 1st Federal Credit Union collect my personal information? We collect your personal information, for example when you:

  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or debit card
  • Apply for a credit union product or service
  • Visit our website, provide us with information on any online application or transaction, or information that you send us via email.
  • Make withdrawals from your
    account.We also collect your personal information from other companies.
Why can’t I limit all Sharing? Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market you
  • Sharing for non affiliates to market you

State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies. Consumer 1st Federal Credit Union has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non financial companies. Consumer 1st Federal Credit Union does not share information with non affiliates.
Joint Marketing A formal agreement between non affiliated financial companies that together market financial products or services to you. Consumer 1st Federal Credit Union does not joint market.

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