PRIVACY  NOTICE 
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms.
• Information about your transactions with us, our affiliates, or others.
• Information we receive from a consumer-reporting agency.
  

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
 
We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law.
 
We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

FACT ACT
We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in you credit report.