Privacy Policy

We collect information in several ways, including when you:

• •Open an account, apply for membership, or apply for a loan
• •Use our online platform, mobile platform, or other digital services
• •Visit our offices or contact us by phone, email, or mail
• •Interact with our website, emails, or online advertisements

Types of information we may collect include:

• •Name, mailing address, email address, phone number
• •Date of birth, Social Security number or taxpayer identification number
• •Government-issued identification details (e.g., driver's license number)

• •Member number, account numbers
• •Account balances and transaction history
• •Payment history, loan balances, credit limits

• •Credit reports and credit scores from consumer reporting agencies
• •Employment information and income provided on applications
• •Information used to evaluate credit, products, or services you request

When you visit our website or use our mobile or online banking services, we may automatically collect:

• •IP address, browser type, operating system, and device identifiers
• •Website pages visited, links clicked, date and time of visits
• •Cookies, pixels, and similar technologies used for security, performance, and analytics

You can usually control or disable cookies using your browser settings, but doing so may affect your ability to use certain parts of our site or services.

Provide and manage your accounts and services

• •Process transactions and maintain account records
• •Verify your identity and authenticate access
• •Operate our business and comply with the law

Comply with legal obligations

• •Respond to court orders, subpoenas, and legal or regulatory requests
• •Meet our obligations under federal and state law

Protect against fraud and security risks

• •Monitor activity to detect, investigate, and prevent fraud or unauthorized access
• •Maintain the security of our systems and your accounts

Improve our products, services, and website

• •Analyze usage to enhance website performance and user experience
• •Develop new products and services to meet member needs

Market our products and services (within legal limits)

• •Offer products and services that may be of interest to you
• •Send communications where permitted by law and your preferences

We may share information with companies that perform services on our behalf, such as:

• •Payment processors and card networks
• •Data processing and core banking system providers
• •Statement printing and mailing vendors
• •IT, cybersecurity, and website hosting providers

These service providers are required to protect your information and use it only for the purposes we specify.

We may disclose information:

• •To regulators and examiners
• •In response to subpoenas, court orders, or other legal processes
• •To protect against fraud or unauthorized transactions
• •To help with investigations or law enforcement

We may share information with:

• •Other financial institutions involved in processing your transactions
• •Consumer reporting agencies (e.g., to report your payment history)
• •Parties you authorize or direct us to share with

We do not share your information with non-affiliated companies for their own independent marketing purposes.

In some cases, federal law gives you the right to limit:

• •Sharing of information about your creditworthiness with our affiliates
• •Affiliates using your information to market to you
• •Sharing with non-affiliates to market to you

If these rights apply to you, we will provide a separate privacy notice and opt-out form. That notice will explain how to exercise your options.

We use cookies and similar technologies to:

• •Maintain the security and functionality of online banking
• •Remember your preferences and improve website performance
• •Understand how members use our website and services

You can choose to block or delete cookies through your browser settings. However, some features may not function properly if cookies are disabled.

We use reasonable physical, technical, and administrative safeguards to protect your personal information, including:

• •Encryption of certain data transmissions
• •Access controls, authentication, and authorization systems
• •Secure data centers and restricted access to member information
• •Regular monitoring, testing, and risk assessments

Despite these safeguards, no system is completely secure. You also play an important role by:

• •Keeping your login credentials confidential
• •Using strong, unique passwords
• •Logging out of online and mobile services when finished
• •Promptly notifying us of any suspicious activity

We retain your information for as long as necessary to:

• •Provide products and services
• •Comply with legal, regulatory, and reporting obligations
• •Resolve disputes and enforce our agreements

When information is no longer needed, we securely destroy, de-identify, or anonymize it in accordance with our data retention policies and applicable law.