Privacy Notice

FACTS WHAT DOES PALCO FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why? Financial institutions 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 and income
  • Account balances and payment history
  • Credit history and credit scores
When you are no longer our member, we continue to share your information as described in this notice.
How? All financial institutions 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 PALCO Federal Credit Union chooses to share; and whether you can limit this sharing
Reasons we can share your personal information Does PALCO Federal 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 bureaus		 Yes No
For our marketing purposes -
to offer our products and services to you		 Yes No
For joint marketing with other financial companies Yes No
For our affiliates everyday business purposes -
information about your transactions and experiences		 No No
For our affiliates everyday business purposes -
information about your creditworthiness		 No No
For nonaffiliates to market to you No Yes
To limit our sharing
  • Call 570-546-2333 - our menu will prompt you through your choice(s)
  • Visit us online: www.palcofcu.org
  • Mail the form below

    • 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 any time to limit our sharing.
    Questions? cALL 570.546.2333 or go to www.palcofcu.org

    Mail-in Form

    To limit our sharing ☐ Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
    ☐ Do not allow your affiliates to use my personal information to market to me.
    ☐ Do not share my personal information with non affiliates to market their products and services to me.

    Name:

    Address:

    City, State, Zip:

    Mail To: PALCO Federal Credit Union
    191 Chad Road, PO Box 330
    Muncy, PA 17756-0330
    Who we are
    Who is providing this notice? PALCO Federal Credit Union
    What we do
    How does PALCO Federal 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 PALCO Federal Credit Union collect my personal information? We collect your personal information 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 creditworthiness
    • Affiliates from using your information to market to you
    • Sharing for nonaffiliates to market to you
    State laws and individual companies may give you additional rights to limit sharing.
    What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
    Definitions
    Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
    • We do not share with affiliates.
    Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
    • CUNA Mutual Group
    Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you
    • We may not market jointly with non-affiliates