Service 1 Federal Credit Union is committed to protecting the privacy of each member's financial records consistent with state and federal laws. Service 1 FCU will take prudent and reasonable measures to safeguard the accuracy and privacy of all member information, including information used while conducting business via the internet, ATM network, wire services, telephone, the U.S. Mail, and other means of communication. Article XIX, Section 2 of S I FCU bylaws requires its officers, directors, members of committees, and employees to “hold in confidence all transactions of this credit union with its members and information respecting their personal affairs.” 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 1-800-879-9697.
To download a printable copy, please click here. If you have any questions concerning this notice, please do not hesitate to call us—we're here to serve you!
| FACTS |
WHAT SERVICE 1 FEDERAL CREDIT UNION DOES 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 Income
- Account Balances and Payment History
- Credit History and Credit Scores
When you are no longer an active member, 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 this section below, we list the reasons financial companies can share their members' personal information; the reasons Service1 Federal Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information |
Does Service1 Federal Credit Union share? |
Can you limit this sharing? |
| For our everyday business purposes – such as to process 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 |
Yes |
| For joint marketing with other financial companies |
Yes |
Yes |
| 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 affiliates to market to you |
No |
We do not share |
| For nonaffiliates to market to you |
No |
We do not share |
| To limit our sharing |
Call us at 1-800-879-9697 to opt out of our marketing offers or send your written opt out request to Service 1 Federal Credit Union, Attn. Privacy Notice, PO Box 810, Muskegon, MI 49443.
Please Note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer an active member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
| Questions? |
Call us at 1-800-879-9697 or visit us online at www.service1fcu.com |
| Who We Are |
| Who is providing this notice? |
Service 1 Federal Credit Union |
| What We Do |
| How does Service 1 Federal 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. |
| How does Service 1 Federal Credit Union collect my personal information? |
We collect your personal information, for example, when you
- Open an account or deposit money
- Pay your bills or apply for a loan
- 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
State laws and individual companies may give you additional rights to limit sharing. |
| What happens when I limit sharing for an account I hold jointly with someone else? |
Your choice will apply to everyone on your account. |
| Definitions |
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Service1 Federal Credit Union has affiliates
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Service 1 Federal Credit Union does not share with nonaffiliates other than required by law
|
| Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance companies
|
| Other important information |
| Service 1 Federal Credit Union is committed to protecting the privacy of each member's financial records consistent with state and federal laws. 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. If you have any questions concerning this notice, please do not hesitate to call us at 1-800-879-9697. We're here to provide outstanding member service! |
