Privacy Policy

What does Premier 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 credit history
  • Credit scores and employment information
  • Income and overdraft history

When you are no longer a member, 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 Premier Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does Premier Credit Union share?

Can you limit this sharing?

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Yes No

 

For our marketing purposes — to offer our products and services to you. Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes — information about your transactions and experiences. Yes No
For our affiliates’ everyday business purposes — information about your creditworthiness. No We Don’t Share
For affiliates to market to you No We Don’t Share
For nonaffiliates to market to you No We Don’t Share

Who is providing this notice?

Premier Credit Union

 

What we do

How does Premier 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 Premier Credit Union collect my personal information? We collect your personal information, for example, when you

  • Open an account or apply for a loan
  • Make a wire transfer or give us your wage statements
  • Show us your driver’s license

We also collect your personal information from other companies such as credit bureaus or affiliates.

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 laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. (Our affiliates include financial companies such as Premier Lending Alliance.)
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. (Premier Credit Union does not share with our non-affiliates so they can market to you.)
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. (Our joint marketing partners include loan recapture programs, and Insurance Companies.)

Other important information

Alaska, Illinois, Maryland and North Dakota Members: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization.

California Members: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

Massachusetts, Mississippi and New Jersey Members: We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing without your authorization

Vermont Members: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

Questions?

Call us at: (866) 273-9938 or go to www.premiercu.org

Revised December 2023