Your privacy and online security are of utmost importance to us.
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.
Information We Collect About You
Members First collects the following information about you from a variety of sources:
- From membership and loan applications and other forms that you submit to us, we obtain information such as name, address, social security number, employer and income
- From your transactions with us, we obtain information such as account balances and histories
- From outside parties, such as consumer reporting agencies, we obtain information such as credit history and credit worthiness
Information We Disclose About You
We may disclose all of the information that we collect to companies that perform marketing or other services on our behalf, to other financial institutions with whom we have joint marketing agreements, or otherwise as permitted or required by law. We disclose only the necessary information to affect a particular transaction, protect the records of the credit union, or market a certain product. Under no circumstance will Members First provide any information that will allow access to your account(s) without your express consent.
Members First does not share personal information with other businesses about our former members, co-borrowers, guarantors, or occasional users of credit union services who are not members, unless permitted by law (i.e. subpoena). To protect our members' privacy, Members First will only work with companies that agree to maintain strong confidentiality protections. Further, we do not permit these companies to sell the information we provide to other third parties.
How We Protect Your Information
We restrict information about you to those employees who need to know the information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your personal financial information.
We want to bring to your attention that there may be instances where you erroneously believe the credit union has released personal information about you. For example, information about a secured loan you have from Members First Credit Union may be publicly available in local government records, and a business has compiled this information in order to market to you a product this credit union does not endorse.
As a member of this credit union, we remind you that you have a responsibility to safeguard your financial information by protecting your identification access numbers and reviewing our periodic account statements. If you have any concerns about the accuracy or security of the information you have entrusted to Members First, please contact us.
Online Security & Privacy
Any and all information collected on this site is kept strictly confidential and will not be resold, reused, rented, loaned or otherwise disclosed to third parties, unless required by law. Any information you supply to us will be used with the utmost care and will not be used in ways not consented by you.
A more detailed description on how we safeguard your personal information can be found below.
Information Collected and Stored Automatically
For website security purposes and to ensure this service remains available to all users, Members First employs software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. For site management, information is collected for statistical purposes. Computer software programs are used to create summary statistics. These statistics are used to assess what information is of most interest and least interest to our users, to determine technical design specifications, to identify system performance, problem areas and other similar purposes. No personal information, such as your name and address, is collected or used for this analysis. Also, no information that would identify you personally is collected or used for any purpose.
We automatically collect and store the following anonymous statistics about your visit to monitor our site’s performance and inform our marketing efforts, such as:
- How many people visit our website
- The dates our site was visited
- The pages visited
- From which domains visitors arrive
- Which browsers people use to visit
- Other status codes and values resulting from the web server responding to the request received
We may use non-personally identifiable information such as cookies (see below) and IP addresses for target marketing. While we gather this information, none of it is associated with you as an individual.
Information Collected From Email and Web Forms
When you send us personally identifying information, such as via an email containing a question or comment, or by filling out a form that sends this information to us, we use the information to fulfill or respond to your requests. We may forward your email to other Members First employees who are better able to respond to your request.
When you submit an application or secure email, your personal and financial information is encrypted. To confirm that your application form is secure, look for the image of a lock or key near the address bar of your browser window. If the lock is closed or the key appears whole, you are viewing a secure page. Otherwise, the lock may appear open or the key may appear broken.
Resale or Disclosure of Information to Third Parties
Members First Credit Union does not sell, rent, loan, trade or lease any personal information collected on our site, including via membership forms or email lists.
Leaving our Website via Links to Other Sites
Although we may link to other, third-party websites from our site, we are not responsible for the content of the linked website, nor do we represent either the third party or the member if the two enter into a transaction. We encourage you to read the privacy and security policies of third-party websites as they may differ from those of Members First Credit Union.