CrossRoads Financial Federal Credit Union, your member owned financial institution, is committed to providing you financial products and services to meet your needs and help you reach your financial goals. We are equally committed to protecting our member’s privacy. You can be confident that your financial privacy is a priority of this credit union. This privacy notice is provided to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at 260-726-2142, 260-729-5100, 765-768-6554, 765-584-7200.
Information We Collect and Disclose About You
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications and other forms; Information about your transactions with us or others; Information we receive from a consumer reporting agency; Information obtained when verifying the information, you provide on an application or other forms. This may be obtained from your current or past employers or from other institutions where you conduct financial transactions.
We may disclose all the information we collect, as described above, to affiliates and third parties that perform marketing services on our behalf. We may use or share information to enhance your experience on our sites, to help deliver our products of interest to you on your web browser, and to measure campaign effectiveness. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not sell or permit others to sell any member information.
In order to conduct the business of the credit union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, and follow your instructions as you authorize, or protect the security of our financial records.
If you terminate your membership with CrossRoads Financial Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.
What You Can Do To Help Protect Your Privacy
Members can help by following these simple guidelines:
Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. Never keep your PIN with your debit or credit card, which can provide free access to your accounts if your card is lost or stolen.
Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, says the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
When you provide your sign in credentials to your CrossRoads accounts to a third party, you are understood by us to have authorized all transactions or actions initiated by that third party using the access information you provided whether or not you are aware of the specific transaction or action.
Keep your information current with us. If it important that you provide current contact information to us at all times. If we detect potentially fraudulent or unauthorized activity or use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
Protection of Children's Online Privacy
CrossRoads Financial FCU does not knowingly collect, nor is our web site designed or directed, to use personal information from children under 13 without obtaining verifiable consent from their parents. We offer links for children to access games and information.
CrossRoads Financial FCU does have links to other vendors and third parties. These links are added to give you opportunities to participate with that vendor or third party to take advantage of their services of products. We cannot guarantee how third parties use or collect personable identifiable information about you. For security and other reasons, CrossRoads Financial FCU reserves the right to block or disable third-party access to any account without notice.
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How to limit us from sharing your information
CrossRoads Financial FCU does not disclose nonpublic personal information about you to nonaffiliated third parties. We can provide means of opting out by writing us, phoning, or emailing.