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Firstmark Credit Union Disclosures
Truth In Savings Disclosures
Third Party
Link Disclosures
When Leaving The Firstmark Credit Union Web Site and entering a web site not operated by the credit union we:
- offer these links for your convenience in accessing financial-related information, please be aware that when you exit our website, the privacy and security policy stated on our website may not be the same as that on other websites.
- cannot attest to the content or accuracy of information provided by these linked sites.
- will not constitute an endorsement by Firstmark Credit Union or any of its employees of the sponsors of the site or the products presented on the site and does not represent either if entering into any kind of transaction.
Children's Online Privacy Protection Act of 1998
(COPPA)
Firstmark Credit Union does not collect any personal
information from minors through our web site. Any questions about
the collection of personal information should be direct to the webmaster.
Privacy Notice and Disclosure
Firstmark Credit Union, your member owned financial
institution, is committed to providing you with competitive products
and services to meet your financial needs and help you reach your
goals. We are equally committed to protecting the privacy of our
members. Under federal law, we are required to give you this privacy
notice. It describes our Credit Union's privacy policy and practices
concerning the personal information we collect and disclose about
our members. It also includes information about the parties who
receive personal and sometimes nonpublic information from us as
we conduct the business of the Credit Union.
If after reading this notice you have questions,
please contact us at: (210) 442-0199 or (800) 683-1211 or write
to:
Phone Branch
Firstmark Credit Union
PO Box 701650
San Antonio, TX 78270-1650
Phone: (210) 442-0100
Information We Collect About You
We collect nonpublic personal information about
you from the following sources:
- Information we receive from you on applications
and other forms
- Information about your transactions with
us
- Information we receive from a consumer reporting
agency
We may disclose all of the information we collect,
as described above, as permitted by law.
Parties Who Receive Information From Us
We may disclose nonpublic personal information
about you to the following types of third parties:
- Financial service providers, such as insurance
companies, mortgage service companies, and securities broker-dealers
- Non-financial companies, such as consumer
reporting agencies, data processors, check/share draft printers,
financial statement publishers, plastic card processors, and government
agencies
Disclosure of Information to Parties That
Provide Services to Us
In order for us to conduct the business of
the credit union, we may disclose all of the information we collect
, as described above, to companies that perform marketing or other
services on our behalf or to other financial institutions with whom
we have joint marketing agreements so that we may provide members
competitive products and services. We may also disclose nonpublic
personal information about you under circumstances as permitted
or required by law. These disclosures typically include information
to process transactions on your behalf, conduct the operations of
our credit union, follow your instructions as you authorize, or
protect the security of our financial records.
To protect our members' privacy, we only work
with companies that agree to maintain strong confidentiality protections
and limit the use of information we provide. We do not permit these
companies to sell the information we provide to other third parties.
Disclosure of Information About Former Members
If you terminate your membership with Firstmark
Credit Union, we will not share information we have collected about
you, except as may be permitted or required by law.
How We Protect Your Information
We restrict access to nonpublic, personal information
about you to those employees who need to know that information to
provide products or services to you. We maintain physical, electronic,
or procedural safeguards that comply with federal regulations to
guard your nonpublic personal information.
What Members Can Do to Help
Firstmark Credit Union is committed to protecting
the privacy of its members. Members can help by following these
simple guidelines:
© CUNA Mutual Group, 2000, 2001 (30882) 02/28/01
23375
National Credit Union Administration
(NCUA)
An independent agency of the United States Government.
NCUA regulates, charters, and insures the nation's federal credit
unions. In addition, NCUA insures state chartered credit unions,
like Firstmark Credit Union, which desire and qualify for federal
insurance.
The shares in Firstmark Credit Union are insured
by the National Credit Union Share Insurance Fund (NCUSIF) or the
Fund, an arm of NCUA. Established by Congress in 1970 to insure
member share accounts at federally insured credit unions, the Fund
is managed by NCUA under the direction of the three-person NCUA
Board.
Your share insurance is similar to deposit insurance
provided by the Federal Deposit Insurance Corporation (FDIC). Share
accounts in federally insured credit unions are insured up to $100,000,
an amount equal to the insurance protection offered by the FDIC.
Click here to read their Online
Booklet.
Excess Share Insurance
(ESI)
Participating credit unions may add up to an
additional $250,000 to their current member deposit insurance coverage,
thus increasing their coverage from $100,000 of federal protection
to $350,000 of combined federal and private coverage.
For credit unions, this value-added program
brings a new, low-cost service to its members; for the members,
the coverage adds security for those individuals using their credit
union as their full-service financial resource.
Equal Housing Lender
There are several federal laws which provide
you with protection during the processing of your loan. The Equal
Credit Opportunity Act (ECOA), the Fair Housing Act, and the Fair
Credit Reporting Act (FCRA) prohibit discrimination and provide
you with the right to certain credit information.
No Discrimination. ECOA prohibits lenders from
discrimination against credit applicants on the basis of race, color,
religion, national origin, sex, marital status, age, the fact that
all or part of the applicant's income comes from any public assistance
program, or the fact that the applicant has exercised any right
under any federal consumer credit protection law. To help government
agencies monitor ECOA compliance, your lender or mortgage broker
must request certain information regarding your race, sex, marital
status and age when taking your loan application.
The Fair Housing Act as amended, prohibits discrimination
in the sale, rental, and financing of dwellings, and in other housing-related
transactions, based on race, color, national origin, religion, sex,
familial status (including children under the age of 18 living with
parents of legal custodians, pregnant women, and people securing
custody of children under the age of 18), and handicap (disability).
National Credit Union Share
Insurance Fund
The National Credit Union Share Insurance Fund
(NCUSIF) is the federal fund created by Congress in 1970 to insure
member's deposits in credit unions up to the $100,000 federal limit.
Administered by the National Credit Union Administration, the NCUSIF
is backed by the "full faith and credit" of the U.S. Government. Click here to learn more.
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