USA Credit Union is committed to providing a useful and user friendly website to our members. We also place a high priority on protecting your privacy. We know that you are concerned about electronic privacy, and so are we. When you visit our site and provide personal information to us, the information will not be sold to any other organization. As with any major website, we track how visitors use our online services. This tracking system tells us on which page someone entered our website, what pages were visited, but it doesn't capture any information that personally identifies a visitor. This information is used for internal review to help us in the management and continuing development of our website.
 
USA Credit Union makes every effort to provide links from our web site to other sites that members will find reliable and non-offensive. However, USA Credit Union does not represent or endorse the accuracy or reliability of any information or content contained on or distributed through web sites linked to from this web site. Reliance upon any materials shall be at your sole risk. Additionally, USA Credit Union is not responsible for the copyright compliance, legality or decency of material contained in sites linked to from this web site or subsequent links from other sites.

Anti-Redlining Disclosure
Children’s Online Privacy Disclosure
Fair Credit Reporting Act
Privacy Policy
Truth in Savings Disclosure
USA Patriot Act
Use of Email Information
Use of Cookies
Computer Equipment Requirements
Online Banking Security

How to protect yourself from Identity Theft

Since USA Credit Union values the privacy of our young members, we have additional measures to protect those 17 and under. We will not contact children age 17 and under about special offers or for any marketing purpose. Participation in surveys is voluntary and children should obtain parental permission before submitting material.

Email inquiries submitted through OnLine USA’s Contact Us will have responses sent to the email address provided within their OnLine USA User options.

USA Credit Union does not collect any personal information from the visitors to our website. Personal information is requested when enrolling in the Club USA Boom section of our website. Parental authorization is not required to enroll online but our site will request that permission is obtained first. Information requested to join Club USA Boom includes Name, email address, mailing address, phone number and age. This information is not shared with anyone outside of USA Credit Union. Enrollment can also be made by phone or in person.

Questions about the enrollment in either Youth program can be forwarded to:

USA Credit Union Marketing Dept.
P.O. Box 7092
Troy, MI 48007-7092

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.ftc.gov/credit or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.

• You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information.
• You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
  • a person has taken adverse action against you because of information in your credit report;
  • you are the victim of identify theft and place a fraud alert in your file;
  • your file contains inaccurate information as a result of fraud;
  • you are on public assistance;
  • you are unemployed but expect to apply for employment within 60 days. In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.gov/credit for additional information.
• You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
• You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/credit for an explanation of dispute procedures.
• Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
• Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
• Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
• You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.ftc.gov/credit.
• You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
• You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
• Identity theft victims and active duty military personnel have additional rights. For more information, visit www.ftc.gov/credit.

States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are:

Patriot Act Disclosure

Important Information about Application Procedures

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 or has a financial relationship with USA Credit Union.

What this means to you: When a deposit or loan account is opened or a financial relationship is establish with USA Credit Union, 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.

The Credit Union will use personal information provided to us via e-mail as appropriate in the normal course of our business to provide the products and services that you request. We will not disclose information to third parties concerning your account with us, except as provided in our Privacy policy.

Email is outside our Secure Socket Layer (SSL) and therefore we recommend our members do not send confidential information via e-mail. USA Credit Union’s e-mail response back to the sender will not include confidential account information.

Email inquiries submitted through OnLine USA’s Contact Us will have responses sent to the e-mail address recorded within their OnLine USA User options. Please make sure to keep this information current.

We may use the e-mail address provided within OnLine USA to provide you with e-mail notifications of current product offerings that we think may be beneficial to you. We do not disclose e-mail addresses to anyone, except as required by law.

A “cookie” is a small text file or text identifier placed on end users’ computers. Cookies are commonly used on websites and do not harm end users’ systems. All private data stored in cookies by our Internet Service provider are encrypted, and for internal use only. In order to tailor website content to our member’s interests, cookies must be accepted. All of our cookies are temporary, which means that they are active only as long as the customer’s browser is running and are deleted when the session has ended. Cookies must be enabled on the end user’s browser to enable proper functionality.