Privacy Policy

Click here to download the most recent version of the Privacy Policy.

Facts

What does Pacific Community 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 and Income
  • Transaction history and Credit history
  • Account balances and Payment history

How?

 All financial companies 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 Pacific Community Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Pacific Community 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 Yes*

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 creditworthiness

No We don’t share

For nonaffiliates to market to you

No We don’t share

To limit our sharing

Call 714 526-2328 - our menu will prompt you through your choice(s) or

Visit us online: www.yourcreditunion.com/privacy

Please note:

If you are a new customer, we can begin sharing your information days from the date we sent this notice. When you are no longer our customer, 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 714 526-2328 or go to www.yourcreditunion.com/privacy

Who we are
Who is providing this notice? Pacific Community Credit Union

What we do
How does Pacific Community 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 Pacific Community Credit Union collect my personal information?

We collect your personal information, for example, when you

  • Open an account or Pay your bills
  • Apply for a loan or Use your Debit Card
  • Make deposits or withdrawals from your account

We can also collect your personal information from others, such as credit bureau’s 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. See below for more on your rights under state law.
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.

  • Pacific Community Credit Union has no affiliates
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include Credit Bureaus
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • An example is CUNA Mutual Insurance

Other important information

*Although Federal Law does not require this, California Law requires us to provide you the opportunity to opt out. See attached form (SB1Notice) for your privacy choices

• Fill out the opt-out form and send it back to us at:
Pacific Community Credit Union
P.O. Box 34003
Fullerton, CA 92834-9403

• Contact us at: (800) 656-2328 or (714) 526-2328 from 8:00 a.m. to 6:00 p.m., PST

• Reply electronically by contacting us

Your opt-out will remain effective until revoked in writing. Please note that even if you opt-out, we will continue to share your information to conduct our business as described above, to the extent permitted by law.