Privacy Policy

FACTS	WHAT DOES 1ST COMMUNITY FEDERAL CREDIT UNION (1CFCU) 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 and income account balances and payment history credit history and transaction or loss history
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 1st Community Federal Credit Union chooses to share; and whether you can limit this sharing.

FACTS

WHAT DOES 1ST COMMUNITY FEDERAL CREDIT UNION (1CFCU) 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 and income
account balances and payment history
credit history and transaction or loss history

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 1st Community Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does 1CFCU 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	No
For our affiliates' everyday business purposes information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes information about your creditworthiness	No	We don't share
For our affiliates to market to you	Yes	Yes
For non-affiliates to market to you	Yes	Yes

To limit our sharing	Call toll-free 800.749.1465 or 325.653.1465 and speak to a member service representative Login to your account online at www.1cfcu.org, go to Info Center then Contact Preferences Visit a branch and speak with a member service representative Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

To limit our sharing

Call toll-free 800.749.1465 or 325.653.1465 and speak to a member service representative
Login to your account online at www.1cfcu.org, go to Info Center then Contact Preferences
Visit a branch and speak with a member service representative

Please note:

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

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

Questions?	Call toll-free 800.749.1465 or 325.653-1465 or visit a branch location

Who we are
Who is providing this notice?	1st Community Federal Credit Union

What we do
How does 1st Community Federal Credit Union protect my 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 1st Community Federal 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 carf 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 non affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. (See below for more on your rights under state law)

What we do

How does 1st Community Federal Credit Union protect my 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 1st Community Federal 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 carf

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 non affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.
(See below for more on your rights under state law)

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliate is 1CFCU Insurance Services, LLC
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners includ credit card companies card processing companies insurance companies

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Our affiliate is 1CFCU Insurance Services, LLC

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners includ

credit card companies
card processing companies
insurance companies

Other important information
California and Vermont Residents: We do not share your personal information for joint marketing with other financial companies.