Disclosures

Check 21

The Check Clearing for the 21st Century Act (Check 21) is a federal law enacted to improve the overall efficiency of the nation's payment system by addressing the handling and transportation of billions of paper checks. To learn how this law affects you, view our Check 21 notices for Personal Accounts and Business Accounts.

Electronic Fund Transfers

We are capable of handling certain types of Electronic Fund Transfers, some of which may not apply to your account. To read the full disclosure and learn about your rights and obligations for the transactions listed, view our Electronic Fund Transfers notice.

FACT Act

The Fair and Accurate Credit Transactions Act (FACT Act) allows consumers to request and obtain a free credit report once every twelve months from each of the three nationwide consumer reporting companies. This law was designed to aid in the fight against identity theft, increase the accuracy of consumer reports and limit the type and amount of marketing solicitation you receive. For more information on the FACT Act, click here.

Funds Availability

Deposits of various types must be made available to our members within a certain time period. The availability of such deposits is outlined in our Funds Availability Policy and is applicable to all accounts.

Notice of Privacy Practices

Important information about the personal data your Credit Union collects is listed in the Notice of Privacy Practices. To learn about how this information is used, view our Notice of Privacy Practices.

Terms and Conditions

The Credit Union has established rules and regulations that control your account(s) with us. Please carefully read our Terms and Conditions for Personal Accounts and Business Accounts.

Truth in Savings

Information related to interest calculations, minimum opening deposits, potential minimum balance fees, and other noteworthy items are organized by account type in our Truth in Savings disclosure. For detailed information about the various deposit accounts at the Credit Union, view our Truth in Savings disclosure.

Fee Schedule

Certain fees and transaction limitations may apply to your account. To learn more, view our current Fee Schedules for Personal Accounts and Business Accounts.

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