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Facts

WHAT DOES HOWARD COUNTY EDUCATION FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial institutions including credit unions 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 depends on the product(s) or service(s) you have with us. This information may include:

  • Social Security Number
  • Account Balances
  • Transaction History
  • Purchase History
  • Credit Card or other Debt Information
  • Checking and Savings Account Information

How?

All credit unions need to share a member’s personal information to run their everyday business. In the section below, we list the reasons Howard County Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons your personal information may be shared: Does Howard County 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 bureausYesNo
For our marketing purposes – To offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes – Information about your transactions and experiencesNoWe do not share
For our affiliates’ everyday business purposes – Information about your creditworthinessNoWe do not share
For nonaffiliates to market to you –NoWe do not share

Questions?

Call (410) 461-2257 or go to www.hctafcu.org

What we do
How does Howard County Education 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 Howard County Education Federal Credit Union collect my personal information?We collect your personal information when you:
  • Open an Account
  • Make a wire transfer
  • Apply for a loan
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
  • 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
Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
  • Howard County Federal Credit Union has no affiliates
NonaffiliatesCompanies not related by common ownership or control. They can be financial and non-financial companies.
  • Howard County Federal Credit Union does not share with nonaffiliates to market to you.
Joint MarketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners may include insurance companies.