Educational Community Credit Union is owned by its members and run by a volunteer board of directors you the membership elect. You can be confident that your financial privacy is a top priority. 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 branch manager at:
(425) 385-3888 or (800) 247-7072.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either service to us or additional financial products for you to consider. If you prefer that we not disclose information about you to certain businesses, you may “opt out” of these disclosures, that is, you may direct us not to disclose information about you, as explained in this notice. This “opt out” will not apply to information that we may disclose about you as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, and follow your instructions as you authorize, or protect the security of our financial records.
We may also disclose the information we collect, as described below, to companies that perform marketing or other 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 to other third parties the information we provide to them.
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 a consumer reporting agency;
- Information obtained when verifying the information you provide on an application or other forms; such as from your current or past employers or form other institutions where you conduct financial transactions; and
- Information we obtain from you when you visit our website. This includes retaining information you provide to us on any on line application, home banking transaction or information you send to us via e-mail.
Information We May Disclose About You
We may disclose the following kinds of nonpublic personal financial information about you:
- Information we receive from you on applications and other forms, such as your name, address, social security number, and income.
- Information about your transactions with us or other companies that work closely with us to provide you with financial products and services, such as your account balances, payment history, and credit card usage.
- Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.
Certain Parties That Receive Information From Us Where You Can Request To Opt Out
We may disclose nonpublic personal information about you to the following types of third parties:
- Financial service providers, such as companies providing automobile insurance
- Non-financial companies, such as travel agencies and automobile dealerships
- Other companies that provide consumer discount programs
How to Opt Out or Stop Certain Disclosures About You
If you prefer that we do not disclose nonpublic personal information about you to such nonaffiliated third parties as listed above, you may opt out of those disclosures. If you wish to direct us not to make disclosures to nonaffiliated third parties (other than those permitted by law), you should do one of the following:
- Call a branch manager at:
(425) 385-3888 or (800) 247-7072
- Write us your request and mail to:
Educational Community Credit Union
10520 19th Ave. S.E.
Everett, WA 98208
You may opt out of these disclosures at anytime. This opt out option, by law, will not apply to disclosures that we make to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with us. Once we receive your request not to make further disclosure, we will act as quickly as possible to stop disclosures. You may always contact us for assistance if you wish to later revoke your opt out election. Note to non-member joint account holders: We will treat an opt out request from one person on the account as applying to all persons listed on the account.
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.
Disclosure of Information About Former Members
If you terminate your membership with Educational Community Credit Union, we will not share information we have collected about you, except as permitted or required by law.
