Facts
What does Washington County Teachers Federal Credit Union (WCTFCU) 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 transaction history
- Credit history and credit scores
- Mortgage rates and payments
- Wire transfer instructions
When you are no longer our member, we will not share your information except as permitted or required by law.
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 WCTFCU chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information |
Does WCTFCU 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 |
Yes |
No |
| For our marketing purposes — to offer our products and services to you |
Yes |
No |
| For joint marketing with other financial companies |
No |
We don't share |
| 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 non-affiliates to market to you |
No |
We don't share |
What We Do
How does WCTFCU 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. We also maintain other physical, electronic, and procedural safeguards to protect this information.
How does WCTFCU collect my personal information?
We collect your personal information, for example, when you:
- Open an account
- Pay your bills
- Apply for a loan
- Make deposits or withdrawals
- Make a wire transfer
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 to you
- Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.
- WCTFCU does not have any affiliates
Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.
- WCTFCU does not share with non-affiliates
Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- WCTFCU doesn't jointly market