Privacy Notice
Emerald Credit Association FCU
Date Revised: 01/2025
FACTS
What does Emerald Credit Association FCU 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 includes:
- Social Security number
- Account balances
- Checking account information
- Transaction history
- Payment history
- Credit history
How?
All financial companies need to share personal information to run their everyday business. Below are the reasons we may share your information:
Reasons we can share your personal information
- For our everyday business purposes (processing transactions, maintaining accounts, legal compliance, reporting to credit bureaus) – Yes
- For our marketing purposes – Yes
- For joint marketing with other financial companies – No (We don’t share)
- For affiliates’ everyday business purposes (transaction/experience info) – Yes
- For affiliates’ everyday business purposes (creditworthiness) – No
- For affiliates to market to you – Yes
- For nonaffiliates to market to you – No (We don’t share)
To Limit Our Sharing
- Call: 864-223-9135
- Visit: www.emeraldcu.com
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. You may contact us at any time to limit our sharing.
Who We Are
Emerald Credit Association FCU
What We Do
How do we protect your personal information?
We use security measures that comply with federal law, including computer safeguards, secured files, and restricted access. We limit access to employees with a business need and provide training to protect your information.
How do we collect your personal information?
- Open an account
- Apply for a loan
- Pay by check
- Provide income information
- Provide contact information
Why can’t I limit all sharing?
Federal law allows you to limit only:
- Sharing for affiliates’ everyday business purposes (creditworthiness)
- Affiliates from marketing to you
- Sharing with nonaffiliates for marketing
State laws and individual companies may give you additional rights.
Joint Accounts
Your choices apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. Includes: OSG/Diamond Marketing Solution, Cuna Mutual, Evans Simpson, First Data/Star, Affinion, MY CU, Vizo Financial Corporate, Symitar/Cruise, CSPI INC, Fiserv, Eltropy.
Nonaffiliates
Companies not related by common ownership. Emerald Credit Association FCU does not share with nonaffiliates for marketing purposes.
Joint Marketing
A formal agreement between financial companies to jointly market products. Emerald Credit Association FCU does not jointly market.