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Privacy Policy

Rev. 1/11

Facts: WHAT DOES MODERN EMPLOYEES 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 checking account information
   - credit history and employment information
   - income and payment history
 
When you are no longer our customer, 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 Modern Employees Federal Credit Union chooses to share; and whether you can limit this sharing.
 
Reasons we can share your personal information
 
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 bureaus
Does Modern Employee Federal Credit Union share?   Yes
Can you limit this sharing?   No
 
For our marketing purposes –
to offer our products and services to you
Does Modern Employee Federal Credit Union share?   Yes
Can you limit this sharing?   No
 
For joint marketing with other financial companies -
Does Modern Employee Federal Credit Union share?   Yes
Can you limit this sharing?   No
 
For our affiliates’ everyday business purposes –
information about your transactions and experiences
Does Modern Employee Federal Credit Union share?   No
Can you limit this sharing?   We don’t share
 
For our affiliates’ everyday business purposes –
information about your creditworthiness
Does Modern Employee Federal Credit Union share?   No
Can you limit this sharing?   We don’t share
 
For our affiliates to market to you -
Does Modern Employee Federal Credit Union share?   No
Can you limit this sharing?   We don’t share
 
For nonaffiliates to market to you -
Does Modern Employee Federal Credit Union share?   No
Can you limit this sharing?   We don’t share
 
Questions?Call 270-685-1025
 
What we do
 
How does Modern Employees 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 Modern Employees Federal Credit Union collect my personal information?
   We collect your personal information, for example, when you
        - open an account or apply for a loan
        - use your credit or debit card or make a wire transfer
        - make deposits or withdrawals from your account
 
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 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.
                   - Modern Employees Federal Credit Union has no affiliates
Nonaffiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies.
                 - Nonaffiliates we share with can include government agencies, nonprofit organizations, plastic card processors (credit/debit/ATM), consumer reporting agencies, data processors, and check/share draft printers
Joint Marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
                - Our joint marketing partners include CUNA Mutual Group's MEMBERCONNECT
 
Other important information
 

 

 

 

Modern Employees
Federal Credit Union


1727 Moseley Street
Owensboro, KY 42303

Phone: 270-685-1025
or 800-685-1332
Fax: 270-685-1380

Hours: Mon. - Fri. 8:30am - 5:00pm