Privacy & Terms
Privacy Policy Notice | Disclaimer
Privacy Policy Notice
University Federal Credit Union is committed to providing you with financial products and services to meet your needs and help you reach your financial goals. Protecting personal information and using it in a manner consistent with your high expectations is a high priority for everyone associated with our credit union. We are required by law to give you a privacy notice. If you have any questions after reading this please call 701-777-2274.
When we use the words “you” and “your” we mean the following types of members:
All of our consumer members who have a continuing relationship with us, such as…
- Deposit Account
- Loan Account
We will tell you the sources for non-public information we collect on our members. We will tell you what measures we take to secure that information.
We will first define some terms: “we,” “our” and “us” means the credit union; “non-public information” means information about you that we collect in connection with providing a financial product or service to you. Non-public personal information does not include information that is available from public sources, such as telephone directories or government records.
Our credit union will collect only the personal information that is necessary to conduct our business. That means just what is necessary to provide competitive financial products and services—no more.
Our credit union collects non-public 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 from other institutions where you conduct financial transactions.
Our credit union will only share information when absolutely necessary. We do not disclose any non-public personal information about you to anyone, except as permitted by law.
We may disclose non-public personal information about you to the following types of third parties;
- Financial Companies, such as insurance companies and mortgage service companies.
- Non-financial companies, such as consumer reporting agencies, check/share draft printers, and plastic card processors.
Our credit union will protect your personal information. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your non-public personal information. Our credit union restricts access to your personal and account information to those employees who need to know that information to provide products or services to you.
You will always have access to your information. As a member of our credit union, you will always have the opportunity to review your information and make necessary changes to ensure that your records are complete and accurate.
As a member of our credit union, you also have a responsibility to safeguard your financial information. You 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 debit or credit card.
Use caution when you disclose your account numbers, social security numbers, etc. to other persons. If someone calls you and 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 you information and will not need to ask.
Keep your information 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.
Let us know if you have questions. Please do not hesitate to call us– we are here to help.
If you decide to terminate your membership or become an inactive member, we will adhere to the privacy policies as described in this notice.