Peninsula Federal Credit Union Privacy & Security Information

Peninsula Federal Credit Union is committed to provide you with financial products and services to meet your financial goals. We are required by federal law to give you this privacy notice. It describes our policies and practices that protect your privacy and enable us to share information to make available competitive financial products and services. If you have any questions after reading it, please contact PFCU at (906) 789-6400 or (906) 786-2732.

Information We Collect and Disclose About You

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 credit card or other debt

• credit history and credit scores

• overdraft history and payment history

We may disclose all the information we collect.

Our commitment to provide you with competitive products and services may require that we share information about you with our affiliate, CU*Answers, which provides data processing services, or our affiliate, Service Centers Corporation/Co-Op Network, which provides shared branching and ATM/debit card services.

We may also disclose all the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not allow these companies to sell the member information we provide to other third parties.

We may also disclose information about you under other circumstances as permitted or required by law. These disclosures typically include information to follow your instructions as you authorize, to conduct the operations of the credit union, or to protect the security of our financial records.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

What Members can Do to Help

Peninsula Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these sample guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debt or credit card which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
• Keep your information with us current. It is important that we have current information on how to reach you.
• If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
• Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!

When visiting this website, information about your browser type, operating system, IP address, and the domain from which you came are collected. Except for what you submit to us, we do not collect any personally identifiable information. Any personally identifiable information that you give us will only be used to respond to you and will not be retained. Any information that we do collect is only used in aggregate to determine whether improvements can be made to our service. The information is not permanently stored.

Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Peninsula Federal Credit Union Web Site Privacy Policy

Thank you for viewing our Web site. Peninsula Federal Credit Union is committed to protecting the privacy of our members and other users of our Web site. To that end, we have adopted the following privacy policy for our Web site: By using or accessing our site you are consenting to PFCU's use of Internet Cookies. "Cookies" are text-only pieces of information that a website transfers to an individual's website browser. Like most websites, we us cookies for purposes such as analyzing website traffic to improve our site's performance and for marketing so we can serve visitors relevant promotional ads on other sites they visit across the internet. We us "performance cookies" to track visitors to our website, which is done on an anonymous aggregate basis (as cookies do not in themselves carry personal data). We may also employ cookies so that we can remember your computer when it is used to return to the website for analyzing traffic and marketing effectiveness. You can delete internet cookies that have been installed from your browser. We do not disclose cookie information to nonaffiliated third parties. 

General Web site pages:

Visitors of Peninsula Federal Credit Union Web site will remain anonymous. We do not collect personal identifying information about visitors to our Web site. Our servers collect standard non-identifying information about visitors to the site, such as date and time visited. This information is used to compile standard statistics on site usage.

Protecting Children's Privacy Online:

The Children's Online Privacy Protection Act (COPPA) was passed by Congress in October 1998, with a requirement that the Federal Trade Commission (FTC) issue and enforce rules concerning children's online privacy. The primary goal of the Act and the Rule is to place parents in control over what information is collected from their children online. The Rule was designed to be strong, yet flexible, to protect children while recognizing the dynamic nature of the Internet. Click here to read the Frequently Asked Questions about the Children's Online Privacy Protection Rule.

E-mail

Personal information contained in e-mail sent by members and non-members may be used by the credit union’s staff to answer questions, to follow up on suggestions or complaints or to improve the level of service Peninsula Federal Credit Union provides. Please be advised that we can not guarantee the security of e-mail messages against interception by unauthorized individuals. Therefore, you can also communicate to Peninsula Federal Credit Union by telephone or mail:

Peninsula Federal Credit Union
2929 3rd Ave N
Escanaba, MI 49829-0717
(906) 789-6400
1-(888) 791-6420

Loan Applications

Our Web site will be checked every day that we are open for lobby business. The loan department will treat a loan application received via our Web site the same as a loan application taken via telephone or in person. Your loan application will be processed as soon as possible. If further information is necessary to complete your application you will be contacted. You will be contacted regarding the approval or denial of the application.

If you have any questions about Peninsula Federal Credit Union's Web site privacy policy, send an e-mail to memservice@peninsulafcu.com.