Privacy Policy
What does Common Cents 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.
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 & Income
- Account Balances & Payment History
- Credit History & Credit Scores
When you are no longer our member, we continue to share your information as described in this notice.
How?
All financial companies need to share members’ personal information to run their every day business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Common Cents Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information |
Does Common Cents Credit Union 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 bureas |
Yes | No |
| For our marketing purposes - to offer our products and services to you |
Yes | No |
| For joint marketing with other financial companies | No | We don’t share |
| For our affiliates’ everyday business purposes - information about your transactions and experiences |
No | We don’t share |
| For our affiliates’ everyday business purposes - information about your credit worthiness |
No | We don’t share |
| For our affiliates to market to you. | No | We don’t share |
| For our non-affiliates to market to you | No | We don’t share |
Questions?
Contact us at (409)842-5233 or (409) 296-1071, or write us at:
Common Cents Credit Union
P.O. Box 20396
Beaumont, Texas 77720
What we do
How does Common Cents Credit Union protect 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.
How does Common Cents 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 bureas, 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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing
Definitions
Affiliates
Companies related by common ownership and control. They can be financial and nonfinancial companies.
Non-affiliates
Companies not related by common ownership and control. They can be financial and nonfinancial companies.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.