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Central City Credit Union is committed to safeguarding your confidential information. The following outline explains what information we collect and how we use it to handle your financial business. It also lists some steps you can take to protect your personal and financial information.
Types of information we collect. We collect a variety of information to assist in offering services to members. Sources of the information we collect include:
- Applications for services. We request members' names, addresses, and social security numbers for correspondence and tax reporting purposes.
- Transaction processing. Our systems maintain a record of all transactions performed on your accounts.
- Consumer reporting agencies. In making loan decisions, and opening new accounts, we use information from credit bureaus.
- Market research firms. We contract with a market research firm that supplies us with information and estimates about our members, such as the number of individuals in the household, home ownership status and home market value. This information is compiled from a variety of sources, including census data, public records and questionnaires.
- Emails and electronic communications. We collect email addresses from members who request information in electronic form, and from users of our web site who choose to provide their addresses.
Third parties who process member information in order to provide services to members or the credit union. The credit union uses various third parties to assist in offering financial services to members. For example, third parties are involved in the processing of transactions using credit cards, checks, and debit cards. We also use third party assistance in making consumer and real estate loan decisions. An outside vendor processes our member account statements.
In each case when a third party is used for these services, the third party only receives information necessary to conduct the transaction, and may not disclose information about our members to any other parties or use it for unapproved purposes.
Information we disclose to third parties, and to whom we disclose it. We share information about individual members with CUNA Mutual Group (CMG). CMG is a diversified financial services company serving credit unions and their members. The information includes names, addresses, telephone numbers, social security numbers, birth date and gender. CMG uses the information we provide them to offer insurance and investment services to our members, and may not disclose information about our members to any other parties or use it for unapproved purposes.
Our policies and practices with respect to protecting the confidentiality, security and integrity of private information. To protect our members, Central City Credit Union takes the following steps:
- All employees are required to enter passwords before gaining access to our primary account records system. Each employee's ability to access and change information depends on that employee's job position.
- All paper reports and other documents to be discarded are shredded before leaving the credit union's premises, if they contain sensitive information.
Electronic services.
Our website uses cookies so that if you use a link to another site we sponsor, the other site will know that you originated from Central City Credit Union's site. The cookie also allows the sponsored site to place a link on their page to allow you to return easily to our website.
What members can do to help.
- Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. In particular, never keep your PIN with your debit card or credit card, as that makes you vulnerable in the event you lose your card or your card is stolen.
- Use caution in revealing account numbers, social security numbers, etc. to other persons. In particular, if a caller tells you he/she is calling you on behalf of the credit union and asks for your account number, you should beware. Legitimate credit union staff would already have access to the information.
- It's important that the credit union has current information about how to reach you. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
Opt-out notice.
- If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out. That is, you may direct us not to make those disclosures (other than permitted by law.)
- If you wish to opt out of disclosures to nonaffiliated third parties, please contact us by email, by phone at 715-387-3702, by fax at 715-387-3746 or stop in our office and request a copy of the "Opt-Out" form.
 
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