Privacy Policy
MC Federal Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union’s privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union. If after reading this notice you have questions, please contact us at: 1-800-834-0082 or write to: MC Federal Credit Union, PO Box 329, Danville, PA 17821-0329
Click on the button below to download a copy of MC Federal Credit Union’s Privacy Notice
FACTS
WHAT DOES MC FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why?
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. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and checking account information
- credit-based insurance scores and credit card or other debt
- credit history and credit scores
How?
All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons MC Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does MC Federal Credit Union share?
Can you limit this sharing?
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus
Yes
No
For our marketing purposes –
to offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
Yes
For our affiliates’ everyday business purposes –
information about your transactions and experiences
No
We don’t share
For our affiliates’ everyday business purposes –
information about your creditworthiness
No
We don’t share
For nonaffiliates to market to you
No
We don’t share
To limit our sharing
- Call 1-800-834-0082 – our menu will prompt you through your choice(s),
- Visit us online: www.mcfcu.org or
- Mail the form below
Please note:
If you are a new member, we can begin sharing your information 45 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?
Call 1-800-834-0082 or go to www.mcfcu.org
What we do
How does MC Federal Credit Union protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does MC Federal Credit Union collect my personal information?
We collect your personal information, for example, when you open an account or use your credit or debit card make a wire transfer or show your government-issued ID apply for financing
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
- sharing for affiliates’ everyday business purposes – information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- MC Federal Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- MC Federal Credit Union does not share with our nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance companies.
Mail-in Form
Mark any/all you want to limit:
- Do not share my personal information with other financial institutions to jointly market to me.
Name
Mail to:
Address
MC Federal Credit Union
PO Box 329
City, State, Zip
Danville, PA 17821
REV 07/21
Children’s Online Privacy
MCFCU does not knowingly collect Personal Information from children under the age of 13 who use our website. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website.
Third-Party Links
MCFCU encourages our members to review the privacy and security policies of any third-party website accessed through MCFCU’s website. Privacy and security policies of third-party websites may differ from those practiced by MCFCU. MCFCU is not responsible for the content of sites it does not operate. MCFCU does not represent the third-party, or the member, should the two enter into a transaction. MCFCU does not guarantee or assume liability for any third-party product, or service obtained through our website.
Data Retention
Federal laws and regulations require that US financial institutions retain your personal and financial data. We will retain, protect, and use your personal and financial data for no longer than is necessary to complete our obligations, enforce our contractual agreements, resolve a dispute, or as otherwise permitted under the applicable law.
Use of Google Analytics
At MCFCU, we use Google Analytics to track how users interact with our website, gather demographic information about our user base, and uncover potential technical issues. Google Analytics collects information such as how often users visit this site, what pages they visit, and what sites they visited prior to our site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than other identifying information. We do not link the information collected via Google Analytics with personally identifiable information. Google Analytics plants a cookie, used exclusively by google, on your web browser to identify you as a unique user the next time you visit this site. To learn more about how Google Analytics collects and processes data and how to control the information sent to Google review the topic “How Google uses information from sites or apps that use our services” on Google’s Privacy & Terms page.
Social Media
MCFCU maintains profiles on social networking sites, including but not limited to Facebook, Instagram, LinkedIn, and YouTube. Be aware that any information you provide on these sites is publicly available and may be read, collected, and used by others who access them. MCFCU monitors these pages and is provided with reports that evaluate how users interact with each social networking site, including but not limited to views, likes, comments, shares, mentions and reviews.
