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IBEW #56 Federal Credit Union Privacy Policy

            Rev. [2/2011]
             
F A C TS WHAT DOES THE IBEW LOCAL #56  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 may include:
   - Social Security number and account balances
   - Payment history and credit history
   - Transaction history
  When you are no longer our member, we continue to share information as described in this
  noitice.
 
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 IBEW Local #56 Federal Credit Union chooses to share; and whether you can limit this sharing.
 
Reasons we can share your personal information Does IBEW Local #56 FCU share? Can you limit this sharing?
For our everyday business purposes- Yes No
such as to process your transactions, maintain your
account(s), respond to court orders and legal 
investigations, or report to credit bureaus
For our marketing purposes- Yes No
to offer our products and services to you
For joint marketing with other financial companies No We don't share
For our affiliates' everday business purposes- No We don't share
information about your transactions and experiences
For our affiliates' everday business purposes- No We don't share
information about your credit worthiness
For nonaffiliates to market to you No We don't share
     
Questions?    Call (814)455-2270 or (800)723-7800
             
What we do
How does IBEW Local #56 FCU 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 IBEW Local #56 FCU collect my personal information? We collect your personal information, for example, when you
 - open an account or apply for a loan
 - make a wire transfer or give us your contact information
 - show us your driver's license
         
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 
   - sharng for affiliates everyday business purposes- information about your creditworthiness
       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.
   - IBEW Local #56 FCU has no affiliates
Nonaffiliates Companies not related by common ownership or control.  They can be financial and nonfinancial companies.
   - Nonaffiliates we share with can include insurance companies, government 
     agencies, check printers, card services, credit reporting agencies, data
     processors, and corporate credit unions
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
   - Our joint marketing partners include CUNA Mutual Group's MEMBERCONNECT
             
Other important information
 
 
   
   
   
   
   
   
   
   
             

 
 
IBEW Local 56 FCU
962 West 20 Street
Erie, PA 16502
Phone:  (814) 455-2270      FAX:  (814) 455-4307
Toll Free:  (800) 723-7800

email:
Routing Number: 243381065
 
IBEW Local #56 FCU - Once A Member ... Always A Member
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