Fellowship Credit Union is member owned and governed by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at 210-599-4488.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you with our affiliated third party financial service providers, which provide data processing and trust services. We may also disclose information about you under other circumstances as permitted or required by law. These disclosures typically include information to follow your instructions as you authorize, to conduct the operations of the credit union, or to protect the security of our financial records.
To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality and limit the use of information that we provide. We do not permit these companies to sell to other third parties the information we provide.
Information We Collect And Disclose About You
We collect the following information about you from a variety of sources and may disclose the following information to our affiliated companies or to other financial institutions with which we have joint marketing agreement(s):
- From membership and loan applications, and other forms, we obtain information such as name, address, social security number and income.
- From your transactions with our affiliates, and us we obtain information such as your account balances, payment history, parties to transactions, and credit card usage.
- From consumer reporting agencies, we obtain information such as your credit worthiness and credit history.
- From verification of information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions and other sources listed on the application.
If you terminate your membership with Fellowship Credit Union, we will not share information we have collected about you, except as permitted by law.
Fair Credit Reporting Act Disclosure
In this notice, we are required to also advise you of our disclosure policy under the Fair Credit Reporting Act. The Fair Credit Reporting Act governs the sharing of information that may impact upon you for certain purposes such as credit, collections, and insurance. We learn information about you from our experiences with you and from information provided by others, such as through credit reports. The Fair Credit Reporting Act permits us to share with others information we learn about you from our experiences with you, including our affiliate(s) and credit reporting agencies. The Fair Credit Reporting Act also permits us to share information we learn about you from others unless you direct us otherwise. If we elect to share information about you that we learn from others for a purpose under the Fair Credit Reporting Act, we will give you a separate notice of our intention to do so and the right to direct us not to share the information.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.
Fellowship Credit Union's web site contains "links" to other Web sites for products or services that Fellowship Credit Union believes may be of interest to its membership. Fellowship Credit Union is not responsible for the privacy practices or the content of these web sites. In addition, Fellowship Credit Union makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such products or services and Fellowship Credit Union disclaims all other warranties with regard to said products or services.