Privacy & Disclosures

Privacy notice

Financial companies choose how they share your personal information, and federal law gives you rights to limit some of that sharing. This notice explains what Cinder Ridge Credit Union collects and how we use it.

What we collect

The information we need to open and service your accounts, such as your name, address, phone number, date of birth, Social Security number, account balances and transaction history.

How we use and share it

• To run your accounts, process your transactions and respond to your requests.
• To protect you and the credit union from fraud.
• With companies that process transactions or print statements for us, under contracts that require them to keep it confidential.
• When the law requires it, for example in response to a court order.

We do not sell member information, and we do not share it with other companies for their own marketing.

Questions

Call Member Services or send a secure message, and we'll answer any question about this notice.

Online banking terms

These terms apply when you use Cinder Ridge online banking and the secure message center. Your account agreements continue to govern your accounts.

• Online banking is available to members with an open account.
• You are responsible for transactions you authorize through online banking. Tell us right away if you think someone else has used your account.
• The secure message center is for account questions and service requests. For lost or stolen cards, call Member Services rather than sending a message.
• Messages are retained for 7 years in accordance with federal record-keeping requirements.
• We may update these terms from time to time. The version posted on this page is the one that applies.

Account disclosures

The fee schedule lists the fees members ask about most. Your account agreement and Truth-in-Savings disclosure contain the complete list. To get a copy of any document below, contact Member Services.

• Membership & account agreementThe terms of your membership and of each personal share and checking account.
• Truth-in-Savings disclosureDividend, balance and fee information for personal share and checking accounts.
• Overdraft services opt-in noticeDescribes our overdraft services and the choices you have.
• Electronic funds transfer agreementYour rights and responsibilities for card, online and other electronic transfers.

Accessibility

We want every member to be able to use our website and online banking. If something here is hard to use with your browser, screen reader or other assistive technology, let Member Services know and we'll help you with your request another way.

Contact & help