Our Privacy Pledge.  At Fibre Federal Credit Union we respect the privacy of our members.  We recognize the importance of maintaining the confidentiality of your personal financial information.  This notice describes the privacy policy and practices followed by Fibre Federal Credit Union., including what types of member information we collect and under what circumstances we may share it.

Member Information We Collect.  We collect only relevant information about members in order to establish and maintain your account and services as the law allows or requires us to collect.  We may collect personal and financial information about you which is “nonpublic” (member information).  The member information we collect varies depending on the accounts and services you request and use.  We collect information about you from the following sources:

Application Information.  We retain personal information we receive from you on any application you provide a for deposit account, EFT service, credit cards, consumer and real estate loans, financial planning, insurance and securities.  Application information includes:  name, address, social security number, phone number, birth date, employment and financial status and credit history.

Your Transactions.  Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, transactions through Online banking, over the phone or at a branch we retain the transaction information.  This includes: your account number, the date, amount and location of the transaction.

Credit Reports.  When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency.  We retain the personal and credit history information about you and we may use it to evaluate future account service requests.

Online.  We obtain information online when you visit our website, www.fibrecu.com.  This includes retaining information you provide us on any online application, online banking transactions or information you send to us by e-mail.

Our Sharing of Member Information.  In order to provide financial services to you, we share certain information about you with our third party service providers.  However, we limit any information sharing to the extent necessary to service your account or offer new services to you.  If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience.  Information we may have about former members is generally only shared or disclosed if required to enforce or administer an account or as required by law.

Sharing Information with Third Party Service Providers.  In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers, including:  data processing companies, check, ATM and other payment processing companies, payment networks, loan service providers, collection agencies, credit reporting agencies, insurance companies and service providers with whom we have joint marketing agreements, including MEMBERS Financial Network who provides  financial planning, securities brokerage and insurance services.  These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential.  We may share the following categories of information to third party service providers depending on the specific services provided:

- Personal information (name address, social security number) 

- Account information (type of accounts, account number, account balances, transaction history)

- Transaction information( dates, amounts, locations and type of transaction)

We do not sell member information nor share your account numbers with independent third party marketers offering their products and services.  While we may offer financial products and services of our affiliate or third party service providers, we control the member information used to make such offers.

Sharing Information as Legally Required or Permitted.  We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account.  We may also share our experience information about you with credit bureaus.  Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

Our Confidentiality and Security Safeguards.  We maintain strict policies and security controls to assure that member information in our computer systems and files is protected.  Our employees are permitted access to member information that they may need to perform their jobs and to provide service to you.  Our employees have access to such member information as necessary to conduct a transaction or respond to your inquiries.  All employees are trained to respect member privacy.  No one except our employees has access to the Credit Union computer system and records storage. The Credit Union has established internal security controls, including physical, electronic and procedural safeguards to protect  the information you provide us and the information we collect about you.  We will continue to review our internal security controls to safeguard your member information as we employ new technology in the future.

Online Privacy Protections.  At our website, www.fibre.com you may apply for accounts and services and you may communicate with us via e-mail.  To protect the information you provide us online, we use multiple levels of security.  The application information we accept online and our CU Online service relies on industry standard “Secure Sockets Layer” (SSL) encryption to secure your transaction information and communication.  Generally, our e-mails are not secure.  However, if we ask you to send us information electronically other than your name, address, e-mail address and phone number, it will be obtained using a secure (SSL encryption) electronic form.  When you visit our website, you can access site information, without revealing your personal identity.  However, in order to help us identify you for future site visits, we use “cookies” to track your visit.  A “cookie” is a piece of information that our web server stores on your computer hard drive and retrieves later.  The cookie will not request, require or collect personal identity information and you remain anonymous.  Your member information is not accessed by or stored within a cookie in any way.

Protecting Children’s Information Privacy.  Our online financial services are not designed for or directed toward children.  We do not knowingly solicit or collect data from children and we do not knowingly market to children online.  We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.

Links to other Websites.  This website contains links to other sites. Please be aware that Fibre Federal Credit Union is not responsible for the privacy practices of such other sites.  We encourage our users to be aware when they leave our site and to read the privacy and security policies of each and every website that collects personal information.  Fibre Federal Credit Union does not represent either the third party or the member if the two enter into a transaction.  This privacy statement applies solely to information collected by this website.  Some of the links from our site will take you off the fibrecu.com site to a “co-branded” site where you will see the Fibre Federal logo as well as the logo of another service provider.  The following links to sites are co-branded: MEMBERS Financial Network, Auto Solutions, Credit Union Direct Lending, and Verified by Visa.  The service provider collects any information that you provide.  You are encouraged to read the privacy and security policy of that provider.  We also have links from fibrecu.com to “fully branded” service provider sites.  As you view information on a fully branded site you will see a change in the URL but the pages appear as Fibre Federal Credit Union’s and the service provider is not identified.  All information collected on fully branded sites is used by Fibre Federal Credit Union only and is not shared or used for any purpose other than providing you with the service you have requested.  Fully branded sites include CUNA Financial Calculators.

Privacy Policy Inquiries.  We reserve the right to amend this Privacy Policy at anytime.  If you have any questions about our privacy practices, contact us by calling (360) 423-8750, sending us an electronic communication from the contact us page, or writing to us at: Fibre Federal Credit Union, P.O. Box 1786, Longview, WA 98632.