Privacy Policy
What does Morehead Community Federal Credit Union (MCFCU) 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:
Social Security number
Account balances
Payment history
Income
Credit history
Credit scores
When you are no longer our member, we continue to share your information as described in this notice.
How?
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 MCFCU chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does MCFCU 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. | Yes | Yes |
| For our affiliates’ everyday business purposes ‐ information about transactions and experiences. | No | We don’t share |
| For our affiliates’ everyday business purposes ‐ information about your creditworthiness. | No | We don’t share |
| For non-affiliates to market to you. | No | We don’t share |
Questions?
Call 606‐784‐2201 for more information.
What We Do
How does MCFCU 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 MCFCU collect my personal information?
We collect your personal information, for example, when you:
Open an account
Deposit money
Pay your bills
Apply for a loan
Use your credit or debit card
We also collect your personal information from others, such as credit bureaus.
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 law 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 non-financial companies. Morehead Community Federal Credit Union has no affiliates.
Non-affiliates - Companies not related by common ownership or control. They can be financial and non-financial companies. Morehead Community Federal Credit Union has no non-affiliates.
Joint Marketing - A formal agreement between non-affiliated financial companies that together market financial products or service to you. CUNA Mutual Group.
