Area Federal Credit Union Disclosures

Account Disclosures

Electronic Fund Transfers Agreement

Funds Availability Policy Disclosure

Membership and Account Agreement

Truth in Savings – Certificates

Truth in Savings – Shares

 Area FCU Bylaws

FACTSWhat does Area 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 income
– Account balances and payment history
– Credit history and credit score
When you are no longer our customer, we continue to share your information as
described in this notice.
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 Area Federal Credit Union
chooses to share; and whether you can limit this sharing.
REASONS WE CAN SHARE YOUR PERSONAL INFORMATIONDOES AREA 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 report to credit bureaus
YESNO
For our marketing purposes —
to offer our products and services to you
YESNO
For joint marketing with other financial companiesNOWE DON’T SHARE
For our affiliates’ everyday business purposes —
information about your transactions and experiences
NOWE DON’T SHARE
For our affiliates’ everyday business purposes —
information about your creditworthiness
NOWE DON’T SHARE
For non-affiliates to market to youNOWE DON’T SHARE
WHO WE ARE
Who is providing this notice?AREA FEDERAL CREDIT UNION
WHAT WE DO
How does Area 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 Area Federal Credit Union
collect my personal information?
We collect your personal information, for example, when you
– Open an account or deposit money
– Pay your bills or apply for a loan
– Use your credit or debit card
We also collect your personal information from others, such
as credit bureaus 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 you
– sharing for non-affiliates to market to you
State laws and individual companies may give you additional
rights to limit sharing.
DEFINITIONS
AffiliatesCompanies related by common ownership or control. They
can be financial and non-financial companies.
Area Federal Credit Union has no affiliates.
Non-affiliatesCompanies related by common ownership or control. They
can be financial and non-financial companies.
Third party service providers.
Joint MarketingA formal agreement between non-affiliated financial companies
that together market financial products or services to you.
Area Federal Credit Union has no formal marketing
agreements.
Questions? Call 605-225-2488

CUMONEY Everyday Spend Card Disclosures

Short Form Disclosure

Long Form Disclosure

EFT Disclosure

CUMONEY TravelMoney Card Disclosures

Short Form Disclosure

Long Form Disclosure

EFT Disclosure