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Privacy Policy

FACTS WHAT DOES MICHIGAN STATE UNIVERSITY FEDERAL 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.

The types of personal information we collect and share depend on the
products or service you have with us. This information can include:

What?

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 everyday business. In the section below, we list the reasons
financial companies can share their members' personal information; the
reasons Michigan State University Federal Credit Union chooses to
share; and whether you can limit this sharing.

Reasons we can share your personal
information

Does MSUFCU

Can you limit this

share?

sharing?

For our everyday business purposes-  
such as to process your transaction,
maintain your accounts(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

YES

YES

YES

NO

NO

NO

YES

YES

We don't share

We don't share

 
 
purposes- 
information about your creditworthiness

For nonaffiliates to market to you

NO

We don't share

To limit our sharing

Call 517-333-2424 or 800-678-4968 - a member
service representative will assist you in your opt-
out preference. 

Visit us online: www.msufcu.org, log into your
account via ComputerLine, select the Messages 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 continue to share your information as
described in this notice.

However, you can contact us at anytime to limit our
sharing.

Questions

Call 517-333-2424 or 800-678-4968 or go to

www.msufcu.org

Who we are

Who is providing this

Michigan State University Federal Credit Union

notice?

What we do

How does Michigan State

University Federal Credit

Union collect my personal

information?

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 credit worthiness
affiliates from using your
information to market to you
sharing for nonaffiliates to market to
you

What happens when I limit

Your choices will apply to everyone on your account.

sharing for an account I hold

jointly with someone else?

Definitions

Affiliates

Companies related by common ownership or control.
They can be financial and nonfinancial companies.

MSUFCU has no affiliates.

Nonaffiliates

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.

Joint Marketing

A formal agreement between nonaffiliated financial
companies that together market financial products or
services to you.

Our joint marketing partners include
insurance companies.

Online Privacy 
Our privacy policy is the same whether you are online or not. At our website, www.msufcu.org,
you may apply for membership, accounts, loans and services. You may also communicate with
us via the secure Contact Us form. To protect information you provide us online, we use
multiple levels of security. All applications, forms and ComputerLine transactions are submitted

 
 
to us securely using the industry standard "Secure Socket Layer" (SSL) encryption to secure
your submission. MSUFCU uses 128-bit encryption and we use firewalls to secure your
information. A firewall is a security measure that insulates the credit union's computer network
from the World Wide Web. We analyze the traffic coming in and out of the firewall, which could
indicate intrusion activity and computer viruses. MSUFCU contracts with a third-party
technology specialist to try to penetrate our network and evaluate the security of our online
applications and ComputerLine. MSUFCU has successfully passed each evaluation and is
annually certified as a secure site. To read more about online security requirements click here.

Links to Other Web Sites 
Links from our website are provided for your convenience only. These linked sites are separate
from our credit union's web site. We are not responsible for the content or availability of any
linked third party websites or the privacy practices of such third parties. In addition, a link from
our website to another does not indicate that MSU Federal Credit Union endorses the services
or policies of such third party websites. You should always investigate the information practices
of all websites that you access and carefully examine the privacy policies of any websites
linking to or from our website. Information collected from the linked websites will be subject to
the information practices of those websites.

Our Use of Cookies 
If you conduct transactions with MSUFCU via ComputerLine, you may notice our use of
Internet cookies. Cookies are a small text file assigned and attached by a web server to the
directory file on your computer. Cookies enable our systems to recognize your browser and
your information as you navigate and conduct transactions within ComputerLine. If we did not
use cookies within ComputerLine, you would need to enter your account number and password
each time you wanted to see another page or each transaction you initiate. ComputerLine uses
temporary session cookies that are stored on your Computer only during your current session
and are automatically deleted from your computer when you close your browser. No
information is collected from your computer.

Children's Online Privacy Protection Act (COPPA) 
MSUFCU does not knowingly collect, nor is our web site designed or directed to use personal
information from children under the age of 13 without containing verifiable consent from their
parents. We do offer three children's programs on our web site: Sweet Pea for children ages 0-
4, Dollar Dog Kids Club for children ages 5-12, and the Cha-ching program for teens age 13-
17. Unless applying for MSUFCU membership, no information is collected from children to
participate in the online activities and information found in these areas of our website.

Sweet Pea: Contains an online membership application that is designed to be submitted by a
parent or guardian. In this membership application we ask information about the child for the
purpose of establishing a Sweet Pea account for membership. Information directly collected
from the submitted application includes the child's name, social security number, birth date and
address. Before the application can be submitted, the parent/guardian has to agree to consent
to submit this information solely for the purpose of establishing a Sweet Pea account at
MSUFCU. Parents/guardians have the ability to review the personal information collected prior
to submitting the application. The child's name, age, and address information will also be used
to send via U.S. Postal Mail a yearly Sweet Pea account birthday card. At any time a
parent/guardian may contact MSUFCU and ask that the submitted information no longer be
used to contact the child. MSUFCU staff  will have access to the information collected. You
may reach the credit union at 517-333-2424 or toll-free 800-678-4968 or by sending a secure
message using the Contact Us form. In accordance with MSUFCU's privacy policy, at NO TIME
is the child's information provided to a third party.

Dollar Dog: Contains an online membership application that is designed to be submitted by a
parent or guardian. In this membership application we ask information about the child for the
purpose of establishing a Dollar Dog account for membership. Information directly collected
from the submitted application includes the child's name, social security number, birth date and
address. Before the application can be submitted, the parent/guardian has to agree to consent
to submit this information solely for the purpose of establishing a Dollar Dog account at
MSUFCU. Parents/guardians have the ability to review the personal information collected prior
to submitting the application. The child's name, age, and address information will also be used
to send via U.S. Postal Mail a quarterly newsletter. At any time a parent/guardian may contact
MSUFCU and ask that the submitted information no longer be used to contact the child.
MSUFCU staff will have access to the information collected. You may reach the credit union at
517-333-2424 or toll-free 800-678-4968 or by sending a secure message using the Contact Us
form. In accordance with MSUFCU's privacy policy, at NO TIME is the child's information
provided to a third party.

Cha-ching: This section of our web site is designed for teens ages 13-17. A Cha-ching
membership application is available to submit online to establish an MSUFCU Cha-ching
membership account. Information directly collected from the submitted application includes the
child's name, social security number, birth date and address. The child's name, age, and
address information will also be used to send via U.S. Postal Mail a quarterly newsletter. At any
time a parent/guardian may contact MSUFCU and ask that the submitted information no longer
be used to contact the child. MSUFCU staff will have access to the information collected. You
may reach the credit union at 517-333-2424 or toll-free 800-678-4968 or by sending a secure
message using the Contact Us form. In accordance with MSUFCU's privacy policy, at NO TIME
is the child's information provided to a third party.

REV. 07/14

 Regulation D

 Truth In Savings Disclosure

 USA Patriot Act

 DocuSign Disclosure

 eAlerts Terms and Conditions

 Oakland University Credit Union Trade Name Disclosure

 Notice of Change In Terms

 DocuSign Disclosure

 
 
 
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MSU Federal Credit Union savings are Federally insured to at least $250,000 by
the NCUA and backed by the full faith and credit of the United States
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