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Carilion Federal Credit Union This Credit Union is for our members only. You must join to use our services. WHO CAN JOIN THE CARILION FEDERAL CREDIT UNION? EMPLOYEES OF CARILION BEDFORD MEMORIAL HOSPITAL AND CARILION HEALTH SYSTEM, VOLUNTEERS, RETIREES, ORGANIZATIONS OF THE ABOVE, MEMBERS OF THEIR HOUSEHOLD AND MEMBERS OF THEIR IMMEDIATE FAMILY. IMMEDIATE FAMILY MEMBERS ARE: Fair and Accurate Credit Transaction (FACT) Notice: How you manage your finances is important to you. The following applies to all types of accounts you have with this Credit Union including, but not limited to loans, shares and share draft accounts: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. The rate you are charged for loans may not be the same as those charged to others due to your credit history. Carilion Federal Credit Union Main Office: 1030 S. Jefferson Street, Room 102, Roanoke, VA 24016 Office - (540) 777-1575, Fax – (540) 777-1580 ATM Locations: 933 S. Jefferson Street, Roanoke, VA Carilion Clinic Roanoke Memorial Hospital (main lobby) Carilion Federal Credit Union Carilion Federal Credit Union upholds established privacy principles to maintain the integrity, security, and confidentiality of your personal financial information. This notice describes our policy regarding your personal information and allows you the option to notify us if you do not want information about you disclosed to other parties. Throughout this notice, the word “information” refers to nonpublic information. Types of Information We Collect Information routinely collected and retained may be derived from account or loan applications or other submitted forms, transaction history, consumer reporting agencies, employment verification and payroll information. Disclosure of Information In compliance with The Fair Credit Reporting Act, we may disclose any or all of your information that we acquire. Information is sometimes shared with third party service providers. Service providers include:
We may also disclose your information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose information about you under other circumstances, as permitted or required by law. If you choose to terminate your membership with Carilion Federal Credit Union, or become an inactive member, no information we have collected about you will be disclosed, except as may be permitted or required by law. Disclosure of Information Exclusion If you prefer to have your information excluded from disclosure to parties not affiliated with the Credit Union, you may direct us to not make those disclosures. This exclusion will not apply to disclosures that are permitted by law, and will not apply to service providers, or companies that perform marketing services on our behalf, or to other financial institutions with whom we have joint marketing agreements. If you wish to opt out of disclosures to parties that are not affiliated with the Credit Union, you must select one of the following methods to exercise this right:
Ensuring Your Protection Access to your non-public personal information is restricted to employees who need to know the information to provide products or services. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your information. CARILION FEDERAL CREDIT UNION The Electronic Funds Transfer Act and Federal Reserve Board Regulation “E” became effective on May 10, 1980. The law establishes the basic rights, liabilities and responsibilities of consumers who use electronic transfer services and of financial institutions that offer the services. After May 10, 1980, any type of preauthorized electronic funds transfer mentioned below are made to your share account, causes the law and the disclosures to apply to you.
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