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Privacy Policy

To provide you, our member, with quality service, Christian Financial Credit Union must collect, process and use a great deal of information. We recognize and respect your privacy and security of your personal information.

Christian Financial Credit Union wants to reassure you that confidentiality is one of our highest priorities, whether you interact with us in person, by telephone, through the mail, on-line, or at an ATM.

Information We Collect About You

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on membership and loan applications and other forms;
  • Information about your transactions with us or others;
  • Information we receive from consumer reporting agencies;
  • Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions;
  • Other transaction information about you, such as account balances, deposits, withdrawals, ATM activity, payment history, and credit usage; and
  • Other identifying information about you, such as name, age, address, telephone number, employment history, credit history, and other indications of creditworthiness to parties such as credit bureaus, or information permitted or required by law.
  • We do not knowingly solicit or collect data from children. We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents.

Information We May Disclose About You

We will only share member information:

  • With reputable reporting agencies;
  • When necessary to complete a transaction initiated by you, or otherwise administer our business;
  • When requested by you;
  • When the disclosure is required by, or allowed by law; or
  • To make available special offers of products or services through Chrisitian Financial's third party business partners.

If you terminate your membership with Christian Financial Credit Union, we will not share information we have collected about you, except as permitted or required by law.

Using our website, or using a link to one of the outside sites that we feel are beneficial to our members, requires the use of cookies, which are small pieces of information a website stores on a visitor's web browser to remind the site about the user the next time the site is visited. Although we only link to reputable sites, we are not responsible for the information on the sites or the collection practices of the sites. Christian Financial Credit Union provides these links as a courtesy to our membership and is not responsible for the content or timeliness of the links. You need to refer to the linked site's privacy policy for how they use your information.

We do not store confidential or sensitive information through the use of cookies. Our use of cookies enhances our member's online transactions and eases navigation through our website. For certain applications, such as online transactions, cookies are required to help protect the privacy of a member's transactions by, for example, terminating the session if you, the member, forgets to log out.

Notices and "Joint Relationships"

Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person ont he application, agreement or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send such notices and notifications, to the e-mail or Internet address provided by said person. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.

Maintaining Your Privacy In Our Business Relationships With Outside Third Parties

Sometimes it is necessary to provide personally identifyable nonpublic information about you to a third party. For example, as a benefit of membership, we make certain insurance products available at special rates. To protect your privacy, we will only enter into agreements with companies that agree in writing to maintain the confidentiality of our member's financial information.

Christian Financial Credit Union does not permit these companies to sell to other third parties the information we provide to them.

Limiting Employee Access To Information

We limit employee access to personally identifiable information to those employees who have a business reason to know this information. We also educate our staff to understand the importance of confidentiality and member privacy in accordance with Christian Financial Credit Union's Standards of Conduct.

Protection of Information Via Established Security Procedures

Christian Financail Credit Union maintains physical, electronic, and procedural safeguards to prevent unauthorized access to nonpublic personal information as implemented by provisions of the Gramm-Leach-Bliley Act.

What Members Can Do To Help

Christian Financial Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

  • Protect your account numbers, card numbers, PINs (Personal Identification Numbers) and passwords. Never keep your PIN with your Select Check Card, ATM Card, or Credit Card to prevent providing free access to your accounts if your card is lost or stolen.
  • Use caution when disclosing your account numbers, social security numbers, etc. to other persons. Official credit union staff will have access to your information and would not call you to ask for account information.
  • Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

We will post any substantial changes in this privacy policy at least 30 days prior to the change taking effect. Any information collected under this policy will remain bound by the terms of this privacy policy. After the changes take effect, all new information collected, if any, will be subject to the revised policy.

We are required by law to give you this privacy notice. If after reading this notice you have any questions, please contact our Call Center at 586 772-6330 or click here.