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Privacy Statement

FACTS


WHAT DOES FIRST CITIZENS' FEDERAL 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:

  • Social Security Number and account balances
  • Transaction history and checking account information
  • Payment history and 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 member’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons First Citizens' Federal Credit Union chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information

Does First Citizens' FCU Share?

Can you limit this sharing?

For our “everyday business purposes”- 
Such as to process your transactions, maintain your accounts, 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
 NoWe don't share
For non-affiliates to market to you. 

      No      

We don't share

Questions? Call toll free 1-800-642-7515 or email us at:  info@firstcitizens.org

What we do
How does First Citizens' Federal Credit Union protect my financial 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. When you use a password to enter our Online Banking system, the site switches to a "secure" mode. Your information is then protected by encryption and authentication techniques. 

How does First Citizens' Federal Credit Union collect my personal information? We collect your personal information, for example, when you:
  • Open an account or apply for a loan
  • Show your government issued ID or driver's license
  • Provide employment information
  • 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 nonaffiliates to market to you

State laws 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 nonfinancial companies.  

  • Our affiliates include First Citizens' Insurance Agency and Octant Business Services

 

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.  
  • First Citizens' does not share with nonaffiliates so they can market to you. 

 

Joint Marketing

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

  • First Citizens' joint marketing partners may include investment advisors, other financial services companies and insurance companies, such as Cuna Mutual, and the Affinion Group.

 

Rev. 12/2012

 

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