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Privacy Statement

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

Revised 6/1/11

© 2017 Morehead Community FCU. All rights reserved.

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