WHAT DOES MUSKEGON 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 account transactions
  • Credit history and employment information
  • Payment history and transaction history

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 Muskegon Federal Credit Union chooses to share; and whether you can limit this sharing.

Reason we can share your personal informationDoes Muskegon 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.
Yes No
For our marketing purposes-
to offer our products and services to you.
Yes No
For joint marketing with other financial companies. YesNo
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 our affiliates to market to you. No We don't share
For nonaffiliates to market to you. No We don't share

Questions? Call 231-722-7285 or go to www.muskfedcu.com

What We Do?

How does Muskegon 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 Muskegon Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account or make a wire transfer
  • show your government-issued ID or apply for financing
  • show us your driver’s license

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 only

  • sharing for affiliates’ everyday business purposes- information about your creditworthiness
  • affiliates from using your information to market 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.

  • Muskegon Federal Credit Union has no affiliates. 

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Muskegon Federal Credit Union does not share with our 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.

  • Our joint marketing partners include advertising/marketing agencies and insurance companies.