Not for Profit, Not for Charity, but for Service
MCFCU is member owned and operated
Purpose is to serve, not to make profit
Democratically controlled and governed by an elected volunteer Board of Directors
One equal vote per member
Net earnings paid to members in dividends
Members immediate family may also join
Once a member, always a member!
Our Privacy Pledge
At My Choice Federal Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the
Federal Credit Union. This notice explains what types of member information we collect and under what circumstances we may
Member Information We Collect
The Credit Union collects only relevant information about members that is needed to establish and maintain your account and
services as the law allows or requires us to collect. We may collect personal and financial information about you (member
information), which is "nonpublic." The member information we collect varies depending on the accounts and services you
request and use. We collect information about you from the following sources:
Application Information. We retain personal information we receive from you on any application you provide for
membership, deposit account, EFT services, loans, or other Credit Union services. This information includes: name,
address, social security number, birth date, phone number, employment, financial status, and credit history.
Your Transactions. Any time you make a transaction on one of your accounts, including over the phone, we retain the personal and credit history information about you and we may use it to evaluate future account service requests.
Credit Reports. When we evaluate your application for an account or service, we may request a credit report about you from a consumer-reporting agency. We retain the personal
and credit history information about you and we may use it to evaluate future account service requests.
Online. We obtain information online when you visit our website, www.mychoicecreditunion.com. This includes retaining information you provide us
on any online application you send to us by e-mail.
Member Information We Share
In order to provide financial service to you, we share certain information about you with our third party service providers.
However, we only share information to the extent necessary to service your account or offer new services to you.
If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience. Information we may
have about former members is generally only shared or disclosed if necessary to enforce or administer an account or as required by law.
Sharing Information with Third Party Service Providers
In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share
information with our service providers, including data processing companies, loan service providers, insurance companies,
collection agencies, credit reporting agencies. These service providers act on our behalf and have agreed to keep the member information
we provide to them confidential. We share the following categories of information to third-party service providers depending on the specific
Personal information (name, address, and account number)
Account information (type of accounts, account balances, and transaction history)
Transaction information (dates, amounts, locations, and type of transaction)
We do not sell member information nor share your account numbers with independent third party marketers offering their
products and services. While we may assist in offering financial products and services of our contracted financial service
providers, we control the member information used to make such offers.
Sharing Information as Legally Required or Permitted
We may share any member information of yours in response to a lawful request issued by a court, government agency, or
regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience
information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which
affords you the right to make sure that your credit bureau reports are accurate.
Our Confidentiality and Security Safeguards
We maintain strict policies and security controls to assure that member information in our computer systems and files are
protected. Our employees are permitted access to member information that they may need to perform their jobs and to provide
service to you. Our employees have access to such member information as necessary to conduct a transaction or respond to
your inquiries. All employees are trained to respect member privacy. The Credit Union has established internal security controls,
including physical, electronic, and procedural safeguards to protect the information you provide us and the information we
collect about you. We will continue to review our internal security controls to safeguard your member information as we employ
Disclaimer: E-mail is not a secure means of transmitting information. By transmitting information to the credit union via E-mail, the
sender agrees not to hold the credit union liable for unauthorized interception or misuse of e-mail.