Privacy Notice

FACTS WHAT DOES ECM 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 Scores

When you are no longer our member, 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 ECM Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does ECM FCU 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.
When you joined the credit union, it was because of your or someone else’s employment with your electric power association. A current employee of each co-op, who has signed a confidentiality agreement, has been designated as loan officer to conduct share and loan requests on your behalf, Nonpublic information is being shared with them only for those everyday credit union transactions. 		Yes No
For our marketing purposes —
to offer our products and services to you 		Yes No
For joint marketing with other financial companies No N/A
For our affiliates' everyday business purposes —
information about your transactions and experiences 		No N/A
For our affiliates' everyday business purposes —
information about your creditworthiness 		No N/A
For nonaffiliates to market to you No N/A
Questions? Call 601-605-8600 or 1-866-372-6367

Who we are
Who is providing this notice? ECM FEDERAL CREDIT UNION

What we do
How does ECM 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, firewalls, secured files and buildings. Periodic testing of the information security systems, training of employees and adopting upgrades and enhancements are necessary to protect your information.
How does ECM Federal Credit Union collect my personal information? We collect your personal information, for example, when you
  • open an account or deposit money
  • apply for a loan or use your credit card
  • request a wire transfer
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 nonaffiliates to market to you

State law 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 nonfinancial companies.
  • ECM Federal Credit Union has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • ECM Federal Credit Union does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • ECM Federal Credit Union does not jointly market.

You can help protect your personal information.  (1) Do not give anyone your pin, password or accounts numbers for any of your financial accounts. (2) Do not have your social security printed on your checks. (3) Always shred your personal documents that contain your personal or financial information. (4) Never respond to an email, phone call, or text asking you to verify your personal information.  ECM Federal Credit Union will never send you an email or text message asking you to verify account numbers, social security numbers, passwords, PIN numbers, etc. (5) Always keep your personal information in a safe secure place.