Privacy Policy

Important Information About Your Privacy
USA Patriot Act

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, in accordance with Public Law 107-56 also known as Uniting and Strengthening America by Providing Appropriate Tools
Required to Intercept and Obstruct Terrorism (USA PATRIOT Act) Act of 2001.

The law also includes the Critical Infrastructures Protection Act of 2001, Crimes Against Charitable Americans Act of 2001, International Money Laundering Abatement and Financial Anti-Terrorism Act of 2001, and the First Responders Assistance Act.

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 allow us to identify you. We may also ask to see your driver’s license or other identifying objects.

Notice of Your Financial Privacy Rights

This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:

All of our consumer members who have a continuing relationship with us, such as:
Deposit account
Loan account

We will tell you the sources for nonpublic personal information we collect on our members. We will tell you what measures we take to secure that information.
We will also tell you what information we share with other entities. We will explain what your rights are, and how you can exercise them. If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a share draft account, we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options.

We first define some terms.

"We" "our" and "us" means Members United Federal Credit Union.

"Nonpublic personal information" means information about you that we collect in connection with providing a financial product or service to you. Non public personal information does not include information that is available from public sources, such as telephone directories or government records.

An "affiliate" is a company we own or control.

A "nonaffiliated third party" is a company that is not an affiliate of ours.

"Opt out" means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

The Information That We Collect

We collect non public personal information about you from the following sources:

Information we receive from you on applications or other forms
Information about your transactions with us
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency

The Confidentiality, Security and Integrity of Your Nonpublic Personal Information

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

Nonpublic Personal Information and Nonaffiliated Third Parties

We may disclose nonpublic personal information to nonaffiliated third parties. Here are the kinds of nonpublic personal information we disclose to nonaffiliated third parties:
Nonpublic personal information we receive from you on an application or other forms, such as

Name
Address
Birth date

You may opt out of the disclosure of the information listed above.

Types of Nonaffiliated Third Parties

We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:

Financial service providers, such as insurance agents

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Nonpublic Personal Information and Former Members

We do not disclose nonpublic personal information about former members.

Authorized Sharing-Joint Marketing

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Nonpublic personal information we receive from you on an application or other forms, such as

Name
Address
Birth date

Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of businesses.

Here are the types of businesses with whom we may disclose nonpublic personal information under this section

Financial service providers, such as insurance agents.

Your Right to Block the Disclosure of Your Nonpublic Personal Information

Nonaffiliated Third Parties.

If you do not want us to share your nonpublic personal information with nonaffiliated third parties, you can block the release of certain nonpublic personal information. This is known as your right to "opt out."

Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.

If you have a joint account, an opt out instruction given by one participant of this account will affect all participants of the account.

If you wish to opt out of disclosures, you may do so by writing to us at the following address:

Members United Federal Credit Union
222 East Lincolnway
LaPorte, Indiana 46350