Privacy Policy For Metro Credit Union

Privacy Policy Last Updated – 6/2020

FACTS

WHAT DOES METRO CREDIT UNION DO WITH YOUR PERSONAL INFORMATION

Why?

Financial companies choose how they share your personal information. Federal law give 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 that we collect and share depends on the product or service you have with us. This information can included:

  • Social Security number and account balances
  • Credit history and payment history
  • Checking account information and transaction history

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 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 Metro Credit Union chooses to share; and whether you can limit this sharing. 

Reasons We Can Share Your Personal Information

Does Metro Credit Union Share? Can You Limit This Sharing?

For our everyday business purposes

Such as to report 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 do not share
For our affiliates to market to you NO We do not share
For our nonaffiliates to market to you NO We do not share

Questions?

Who we are

Who is providing this notice Metro Credit Union

What we do

How does Metro Credit Union 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.

We also maintain other physical, electronic, and procedural safeguards to protect this information. 

How does Metro Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account or apply for a loan
  • pay your bills or make deposits
  • use your credit or debit card

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

Definitions

Affiliates

Companies related by common ownership or control. They can be financial or nonfinancial companies.

Metro Credit Union’s affiliates includes companies such as a data processor.

Nonaffiliates

Companies not related by common ownership or control. They can be financial or nonfinancial companies.

Metro Credit Union does not share with nonaffiliates so they can market to your.

Joint Marketing

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

Our joint marketing partners include investment, insurance, and other financial services companies.

Metro Credit Union is a member of the NCUA so we can protect our customer's accounts beyond that of our privacy policy.