Secure Banking Access

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Disclosure Agreement & Legal Policies

Take a few minutes to look over the Account Disclosure Agreement, which outlines our basic policies and your rights and responsibilities as an account holder. You must have a PDF viewer such as Adobe Reader to view this document.

If you have questions or concerns about our legal policies and your rights and responsibilities as a member, don't hesitate to contact us, either by visiting our offices or via one of the communication methods listed on our contact us page.

Credit Report

As part of the Fair Credit Reporting Act (FCRA) you may request a free copy of your credit report from each of the three major credit reporting bureaus once every 12 months. Equifax, Experian, and TransUnion allow individuals to conveniently process requests for free annual credit reports by calling 877-322-8228 or on the web at https://www.annualcreditreport.com.

Also, under the FCRA if you are denied a loan you may be eligible for a credit report at no charge from the credit reporting bureau(s) used as a factor in the decision process.

Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see your driver license or other identifying documents.

National Credit Union Administration

The National Credit Union Administration (NCUA) is a government agency which regulates all federal credit unions in the United States. For data regarding credit union policies in general, as well as regulations, legal opinions, laws and reports, please visit their website at http://www.ncua.gov/.