Privacy Statement

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.

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 account balances
• account transactions and credit card or other debt
• transaction history and wire transfer instructions

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 McCoy Federal Credit Union chooses to share; and whether you can 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 to report to credit bureaus

For our marketing purposes — to offer our products and services to you

For joint marketing with other financial companies

For our affiliates’ everyday business purposes — information about your transactions and experiences

For our affiliates’ everyday business purposes — information about your creditworthiness

For affiliates to market to you

For nonaffiliates to market to you

Call toll-free 888.584.7701 or 407.855.5452- our menu will prompt you through your choice(s).

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 our member, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Call toll-free 888.584.7701 or 407.855.5452.

How does McCoy 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 McCoy Federal Credit Union collect my personal information?

We collect your personal information, for example, when you:

• open an account or make a wire transfer
• show your government-issued ID or apply for financing
• give us your contact information

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 choices will apply to everyone on your account.

Affiliates

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

• McCoy FCU does not share with our affiliates.

Nonaffiliates

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

• McCoy FCU does not share with non-affiliates so they can market to you.

Joint Marketing

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

• Our joint marketing partners include advertising/marketing agencies, credit card companies, loan recapture programs and insurance companies.