Privacy Policy

FACTS
Why?

WHAT DOES MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION (MSUFCU) DO WITH YOUR 
PERSONAL INFORMATION?

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 income
• account balances and payment history
• credit history and credit scores

How?

All financial companies need to share members’ personal information to run their businesses. 
In the section below, we list the reasons financial companies can share their members’ personal 
information, the reasons MSUFCU chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information

Does MSUFCU 
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

For our marketing purposes –
to offer our products and services to you

For joint marketing with other financial companies

For our affiliates’ everyday business purposes –
information about your transactions and experiences

For our affiliates’ everyday business purposes –
information about your creditworthiness

For nonaffiliates to market to you

Yes

Yes

Yes

No

No

No

No

Yes

Yes

We don’t share

We don’t share

We don’t share

To limit
our sharing

• Call 517-333-2424 or 800-678-4968 — a member service representative will assist you with your  
   opt-out preferences.
• Visit us online at www.msufcu.org, log in to your account via ComputerLine, select the “Messages”   
  option at the top of your screen and leave a secure message. 

Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent 
this notice. When you are no longer our member, we can continue to share your information as 
described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 517-333-2424 or 800-678-4968 or visit www.msufcu.org.

Who we are

Who is providing this notice?

Michigan State University Federal Credit Union (MSUFCU)

Who we are

How does MSUFCU protect my personal 
information?

How does MSUFCU collect 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.

We collect your personal information, for example, when you:

• open an account or deposit money
• pay your bills or apply for a loan
• use your credit or debit card

We also collect your personal information from others, such as credit 
bureaus, affiliates, or other companies.

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

What happens when I limit sharing for an account 
I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Nonaffiliates

Joint Marketing

Companies related by common ownership or control. They can be 
financial and nonfinancial companies.

• MSUFCU has no affiliates.

Companies not related by common ownership or control. They can 
be financial and nonfinancial companies.

• MSUFCU does not share with nonaffiliates so they can  
  market to you.

A formal agreement between nonaffiliated financial companies that 
together market financial products or services to you.

• Our joint marketing partners include insurance companies 
  and investment partners. 

Federally insured
by NCUA

231        03/18