MCT Federal Credit Union is owned by its members and run by a member-elected Board of Directors. You can be confident that your financial privacy is of the utmost priority at this Credit Union. We are required by law to provide you with this privacy notice to explain how we collect, use and safeguard your personal financial information.

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 your considerations.

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 the information we provide. We DO NOT permit these companies to sell to other third parties the information we provide to them.

We Collect Nonpublic Personal Information About You From The Following Sources:

Information you provide to us on applications or other forms

Information from or relating to your transactions with us or companies which work closely with us to provide you with financial services and products, we obtain information such as your account balances, payment history, parties to transactions, and credit card usage.

Information we receive from consumer reporting agencies

Information we receive in response to requests we make to third parties about you or to confirm information that you have provided to us, particularly in the process of evaluating loan applications.

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

We restrict access to nonpublic personal information to those employees who need to know the information to provide products and services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

If you terminate your membership with MCT Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.


IMPORTANT INFORMATION TO SAFEGUARD YOUR PRIVATE INFORMATION

Beware “Phishing”

“Phishing” is the sending of emails and surveys which request your personal identity and banking information, such as your address, date of birth and Social Security number. Often, these emails also ask for your banking username, password and PIN number.

Senders of these emails are SCAMMERS, and you should NEVER reveal this information either on line or over the telephone, no matter how much the email may look like it comes from your bank or credit union. These scammers are very good at recreating banking logos, letterheads and other graphics which make their emails appear legitimate.

Neither MCT nor any legitimate banking institution will EVER request your personal information via email or telephone. Protect yourself. DO NOT reveal this information.

If you have any questions, please contact MCT.

3'rd Party Link Disclosure

For our members' convenience, links are available in this website to allow quick access to other sites that may be of interest. Clicking on a link will take you out of MCT Federal Credit Union's Website to an alternative Website not operated by MCT. MCT-FCU is not responsible for the content of the third party website and does not represent either the third party website or the member if you enter into a transaction. Privacy and security policies of the website to which you are linking may differ from those practiced by MCT Federal Credit Union.