MCCU's Privacy Policy
Members Cooperative Credit Union (MCCU) is committed to protecting the privacy of our members.  In general, you can visit us on the World Wide Web without disclosing to us who you are or revealing any information about yourself.  There are several areas, however, that will collect certain information about you and we want you to know how we handle that information.

If you visit our website, MCCU collects and stores information on the domain you use to access our website, the Internet address of the site from which you linked directly to the site, and the date and time of your visit.  This information is used to measure the number of visitors to the various pages on our site to better serve our membership.

If you send an e-mail, MCCU collects and stores personally-identifying information in order to process your e-mail, form or application.  This information is not sold to any third parties.  Due to the volume of e-mail activity, these messages are deleted after they are answered or completed.

If you visit a secure site, such as home banking, you will be asked for personal identification numbers which will give you access to the member only section of our website.  This information enables MCCU to regulate entry to the member only portions of our website and to measure member usage.  Any identifying information gathered is not sold to third parties.

If you link to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site.   We make every effort however, to ensure that all linked sites follow similar privacy policies as ours to offer you maximum security and privacy.

Privacy Notice
Members Cooperative Credit Union is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. 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 member service representative at 218-625-8500.

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 services to us or additional financial products for you to consider.
Under these arrangements, we may disclose all of 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. We also share information about you with our affiliated third party financial service providers which provide shared branching services.

Information We Collect and
Disclose About You
We collect the following nonpublic personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

From membership and loan applications and other forms, we obtain information such as name, address, social security number and income.

From your transactions with us, our affiliates or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions, and credit card usage.

From consumer reporting agencies, we obtain information such as your creditworthiness and credit history.

From verifications of information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions and other sources listed on the application.

We may also disclose information we collect about you under other circumstances 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. Members Cooperative Credit Union is permitted by law to share information with our affiliates about our transactions and experiences with you.

If you terminated your membership with Members Cooperative 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 personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance 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.

What You Can Do to Help
Protect Your Privacy
Members Cooperative Credit Union is committed to protecting the privacy of its 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 personal. If someone calls you, 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 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 you address or phone number changes, please let us know.

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

Privacy Policy Statement
Our credit union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union.

As a member of our credit union, you also have a responsibility to safeguard your financial information.

To ensure that you can rely upon the quality of products and services we make available, our credit union stands behind the following privacy policy:

- 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 will protect your personal information. Our credit union will maintain strong security controls to ensure that members information in our files and computers is protected. Where appropriate, we will use security coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

- 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 our records are complete and accurate.

- Our credit union will share information when absolutely necessary. We will only share information to administer the products and services we provide, when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services.

- Our credit union will partner only with businesses that follow strict confidentiality requirement. The businesses we select will offer products designed to enhance our members' economic well-being. Under no circumstances will we authorize these firms to charge your account without your express consent, and we will not sell member information to telemarketing firms.

- Our credit union has prepared a privacy notice. This notice will be shared with all new members; and at least once a year, we will share this privacy notice with all members. This annual notice will remind all members of the importance of privacy and how we collect and disclose information.

Disclaimer
This web site is provided by MCCU to furnish our members with information about credit union programs and services. All information presented is believed to be accurate, however, accuracy cannot be guaranteed. This web site is not intended to render accounting, tax, legal, or other professional advice or services.