What Does Cooperative Credit Union Do With Your Personal Information?

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.

They types of personal information we collect and share depends on the product or service you have with us.  This information can include:  social security number, overdraft history, credit history, risk tolerance, credit score, and wire transfer instructions.

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 Cooperative Credit Union chooses to share; and whether you can limit the sharing.

What do we do with your informa
Facts WHAT DOES COOPERATIVE 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:
  • Overdraft history /li>
  • Credit History
  • Account Balances and Payment History
  • Risk Tolrance
  • Social Security Number
  • Credit Scores
  • Wire transfer instructions
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 Cooperative Credit Union chooses to share; and whether you can limit the sharing.

Why We share your information
Reasons we can share your personal information Does Cooperative Credit Union 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 No We Don't Share
For our affiliates' everyday business purposes -
information about your transactions and experiences		 No We Don't Share
For our affiliates' everyday business purposes -
information about your creditworthiness		 No We Don't Share
For our non-affiliates to market to you No We Don't Share

To limit our sharing

Call Toll-free (800) 374-4550 - our menu will prompt you through your choice(s)

Please note:

If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing

What we do
What We Do How
How does Cooperative 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 Cooperative 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 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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

Definitions
Definitions Example
Affiliates Companies related by common ownership or control. They can be financial or non-financial companies.
  • Cooperative Credit Union has no affiliates
Non-affiliates Companies not related by common ownership or control. They can be financial or non-financial companies.
  • Cooperative Credit Uniondoes not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Cooperative Credit Union doesn't jointly market.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about your with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.