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Privacy Notice
What does Municipal Credit Union do with your personal information?
FACTS
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 our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Municipal Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information |
Does Municipal Credit Union share? |
Can you limit this sharing? |
|---|---|---|
For our everyday business purposes - |
Yes | No |
For our marketing purposes - |
Yes | No |
For joint marketing with other financial companies |
Yes | No |
For our affiliates’ everyday business purposes - |
No | We don’t share |
For our affiliates’ everyday business purposes - |
No | We don’t share |
For our affiliates to market to you |
No | No |
For nonaffiliates to market to you |
No | We don't share |
Questions?
Call 1-844-MCU-NYNY (1-844-628-6969).
WHO WE ARE
Who is providing this notice?
Municipal Credit Union
WHAT WE DO
How does Municipal 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.
How does Municipal 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
We also collect your personal information from others, such as credit bureaus, affiliates, or 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 to you
- Sharing for nonaffiliates to market to 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 nonfinancial companies.
- Municipal Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Municipal Credit Union does not share with nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance companies and financial products or services companies.