Privacy Policy

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 received from a consumer reporting agency; and

• Information obtained when verifying the information you provide on an application or other form, such as from current or past employers or from other institutions where you conduct financial transactions'

Information We Disclose About You:

We are committed to providing you with competitive products and services to meet your financial needs which may require that we share information about you with others to complete your transactions and provide you with a choice of products and services.  In doing so, we may disclose all of the information we collect, as described above and as permitted by law.

We may also disclose all the information we collect, as described previously and as permitted by law, 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 member's privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide.  We do not allow these companies to sell the member information we provide to other third parties.

Lastly, in order to conduct the business of the credit union, we may disclose nonpublic personal information 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, follow your instructions as you authorize, or protect the security of our financial records.

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:

• Non-financial companies such as auto dealerships, or
• Other companies that provide consumer discount programs.

How to Opt Out or Stop Certain Disclosures About You:

If you wish to Opt Out of disclosures to nonaffiliated third parties as described immediately above, you should request an Opt Out Option Form from the credit union office.  Complete the form and mail it to us at the address at the bottom of this page.  This is further explained in the Opt Out Notice.  You may opt out of these disclosures at any time.  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 disclosures, we will act as quickly as possible to stop disclosures.  You may always contact us for assistance if you wish later to revoke your opt out election.

Note to non-member joint account holders.  Anyone of you may exercise the right to opt out, even if you are not actually a member of the credit union.  APS Federal Credit Union will treat an opt out request from any one party to an account as if all of you directed us to not make disclosures to nonaffiliated third parties to which the opt out right applies.

Disclosure of Information about Former Members:

If you terminate your membership with APS Federal 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 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 confidentially 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 Us Protect Your Privacy:

APS Federal Credit Union is committed to protecting the privacy of our members.  Members 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 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 ask for your account number, you should be aware.  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.

If you have any questions concerning this notice, please do not hesitate to call us -- we are here to serve you.

Opt Out Notice for APS Federal Credit Union

Unless we hear from you, we may share all the nonpublic personal information about you that we collect with businesses involved in marketing and insurance coverage's.

APS Federal Credit Union believes that these types of products and services will be of value and interest to our membership.  The specific companies that receive information from us are prohibited from using that information about you for any purpose other than what we agree to by contract.

If you prefer that we do not disclose your personal information to these types of businesses, you may exercise your opt out right at any time in writing.  We will discontinue further disclosure as quickly as possible.  If you have any questions about this notice, if you would like to exercise your opt out right, or if you elected to opt out previously but have changed your mind, contact the Credit Union at 724-483-6260 or 800-223-8919.

To exercise your opt out option, request an Opt Out Option Form from the Credit Union Office.  Complete, sign and mail the Opt Out Form to:

APS Federal Credit Union

PO Box 58 - 259 Fremont Road

Charleroi, PA 15022

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