PRIVACY POLICY

Safeguarding your personal financial information is, and will always be, as much a part of our business as taking deposits and making loans. We respect your financial privacy and comply with the laws and regulations designed to secure that privacy. Your relationship with us is important, and we want you to understand our policies and practices about handling information. We will keep confidential any information about you, but may share information about you with our subsidiaries, affiliated companies and business partners as described below in order to provide better service. “Information” means nonpublic, personal financial information.

Information About YOU: We may routinely collect or retain information (1) from you on applications or other forms; (2) about your transactions with us, our affiliates, or others; and (3) from consumer reporting agencies regarding credit and checking account histories. We may share this information with others to the extent permitted by law and in accordance with our information sharing polices and practices listed below.

Safeguarding Information About YOU: We do not disclose any nonpublic personal information about our customers and former customers to anyone without first verifying who they are and whether they may have legal access to the information. We have a disaster preparedness program to secure this information in case of natural disasters, hazards or threats. Our security and confidentiality procedures are routinely tested to make sure they work.

Account Numbers/Access Codes: We will not disclose your account number or access code for a credit card account, deposit account or transaction account to a nonaffiliated third party in order for them to sell you products or services. We may give your account number or access code to consumer reporting agencies because we are allowed or are required to do so by law.

Information Sharing:  We do not share information about you with affiliates and non-agent nonaffiliated companies and persons, unless allowed by law and where it will help service your accounts.  Affiliates are other companies that are commonly owned or controlled by our parent holding company.  Non-agent nonaffiliated companies are companies and persons that are not commonly owned or controlled by our parent holding company; such as attorneys, auditors, consumer reporting agencies, and transaction processors.

 Your Opt-Out Rights: Should the Association deem it appropriate to share customer information with affiliates, under the Fair Credit Reporting Act and/or nonaffiliated companies or persons, we will notify you in advance and give you the opportunity to opt-out of the information sharing.

Ending Customer Relationship: When you end your customer relationship with us, or when we end our customer relationship with you, we will treat the information we have about you as if you were still our customer.

Children's Online Privacy

We recognize that protecting children's identities and privacy is important.  We comply with the practices established under the Children's Online Privacy Protection Act.  We do not knowingly market to or solicit information from children under 13 without parental consent.