Privacy Statement

First Area Credit Union, your member-owned financial institution, is committed to providing you financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting our member’s privacy. You can be confident that your financial privacy is a priority of this credit union. 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 us.

Information We Collect and Disclose About You

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

• Information we receive from you on applications and other forms
• Information about your transactions with us or others
• Information we receive from a consumer reporting agency
• Information obtained when verifying the information you provide on an application or other forms

We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties.

In order to conduct the business of the credit union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

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

How We Protect Your Information

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. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

What You Can Do to Help Protect Your Privacy

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card (which can provide 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.  If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware.  Official credit union staff will have access to your information and will not need to ask for it.
• 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 an account, we will attempt to contact you immediately.  If your address or phone number changes, please let us know.

Cookie Policy

What Are Cookies

This site uses cookies and/or scripts (collectively refer to as “cookies”) which are tiny files downloaded onto your computer to improve your experience. Our vendors may also use these tools. Select cookies are persistent and will remain on your device until deleted by you or your browser, while others are inactivated and automatically deleted when you close all browser windows. For more general information on cookies, see the Wikipedia article on HTTP Cookies.

How We Use Cookies

We primarily use for a variety of reasons, including but not limited to:

• provide a great experience for your visitors and customers.
• identify our registered members (users who register to our site).
• monitor and analyze the performance, operation and effectiveness of our platform.
• ensure our platform is secure and safe to use.

Disabling Cookies

You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Please note, disabling cookies may affect the functionality of this site and others you may visit.

Privacy policy updates

We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.

If you have any questions concerning this policy, please do not hesitate to call us at 989-781-1430. We are here to serve you!