Terms / Conditions / Privacy Policy   Our site is best viewed with Microsoft Internet Explorer 6.0.  To download Internet Explorer visit www.microsoft.com.   128 bit encryption required to access secured portions of the website.   Privacy Policy Our Privacy Pledge. As a member of Credit Union One, you do not have to worry about the security and confidentiality of you personal information. Just like you, we want all of your personal information kept that way--personal and private. This notice describes the privacy policy and practices followed by Credit Union One. 1. Member Information We Collect. The Credit Union collects 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 information about you, which is nonpublic. The nonpublic personal 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 for a deposit account, EFT service, credit cards, consumer and real estate loans. Application information includes: your name, address, Social Security number and credit history. Your Transactions. Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, transaction through home 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.cu-one.com. This includes retaining information you provide us on any online application, home banking transaction, or information you send to us by email. 2. Our Confidentiality and Security Safeguards. We maintain strict policies and security controls to assure that your nonpublic personal information in our computer systems and files is protected. Employee Access. Credit Union employees do have access to your information in order to provide service to you. However, our employees’ access is restricted to their need to know such information, or 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. Security Safeguards. The Credit Union has established security controls and procedures to safeguard the information you provide us and the information we collect about you. The application information we accept online and our home banking service rely on industry standard Secure Sockets Layer (SSL) encryption to service your transaction information and communication. Generally, our emails are not secure. However, if we ask you to e-mail us information other than your name, address, email address and phone number, it will be obtained using a secure (SSL encryption) email form. 3. 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. 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 the following: data processing companies, check, ATM and other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, credit reporting agencies, and service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep the information we provide to them confidential. We share the following categories of information with third-party service providers, depending on the specific services provided: . Member information (name, address, account number); . Account information (type of accounts, account balances, transaction history); and . Transaction information (dates, amounts, locations and type of transactions). The Credit Union does not sell member information, including account numbers, with nonaffiliated third-party marketers offering their products and services. While we may offer financial products and services of our third parties, we control the member information used to make such offers. c. Sharing Information as Legally Required or Permitted. We may share any nonpublic personal 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. Web Access Security What kind of security is being used for Web Access Home Banking? Credit Union One uses the latest technology to protect your account information from exposure to unauthorized persons. Below are some of the components of this security system: An account number and PIN are required to access the system. 128-bit encryption scrambles your transmissions when crossing the Internet. After entering a PIN incorrectly three times, access to an account is blocked. VeriSign, the recognized leader in Internet security, allows you to see the security features of the Web Access home banking program before you use it. You are responsible for protecting the secrecy of your PIN in accordance with the terms contained in your Membership Account Agreement. We recommend you not store secured pages in your cache or leave your computer unattended while you are logged into Web Access. What is encryption? Encryption takes meaningful text and numbers and scrambles them into numerical nonsense before transmitting them across the Internet. Your account information becomes "all mixed up and nonsense" when encryption is in place. For example, "pay $40 from checking to loan #1" could become something like "752144835628174317312". The encryption process occurs for information going both directions - from your computer to the credit union and vice versa. Encryption uses complex algorithmic formulas to create a key that is used to translate the nonsense back to "pay $40 from checking to loan #1". There are billions of potential keys, and a different key is used for each Web Access session. Your computer and Credit Union One’s computer establish this key when you make your Web Access connection. Because there are billions of potential keys, it would take a thief several lifetimes to come up with the exact key a specific transmission uses. Netscape estimates the basic level of encryption (40-bit or international) would take a 64-MIPS computer a year of dedicated processor time to break. Domestic, or 128-bit, encryption is exponentially more difficult to break. Web Access supports only 128-bit encryption to give you Internet services with your security in mind. Why does Web Access set cookies? Why does Web Access set cookies? In order to better serve you and protect your account information, we use "cookies," nuggets of data that are stored on your hard drive as a file. We use cookies to verify who you are while using Web Access home banking. Cookies make it easier, quicker, and more secure for you to log into and use Web Access. Cookies do not compromise privacy. Their data is usually stored on your computer's hard drive as a file or folder called "cookies," and you can delete this file anytime if you choose. The cookies in Web Access are only valid for the current session and shortly become invalid. Finally, cookies created by one site will only work with that specific site. Site A, for example, cannot read cookies generated by Site B and then use that information for purposes for which it was not intended. Credit Union One’s express policy is to use cookies only for your account security while using Web Access. 4. Third Party Links. Credit Union One's web site contains hyperlinks to third party links which takes you away from our control and our servers.  Any information included on these sites is not controlled by Credit Union One and we are not responsible for the content or any damage that may take place.  5. One Investments. Credit Union One's web site contains information and data pertaining to the US stock markets.  This data and information is provided for informational purposes only, and is not intended for trading purposes.  Credit Union One nor any of our data or content providers shall be liable for any errors or delays in the content, or informational purposes only, and is not intended for trading purposes. 6. Phishing Phishing – Are You at Risk? What is “Phishing”? It is a form of fraud, specifically using email to trick members of financial institutions into revealing their credit card information, online banking passwords, and other confidential information. These emails look legitimate by using official looking logos, and ask for verification of your personal information. Here are some ways to spot a potential phishing email: · Asks you to provide personal information such as your bank account number, an account password, credit card number, PIN number, mother's maiden name, or Social Security number. · Fails to address you by your name. · Fails to confirm the company does business with you, such as referencing a partial account number. · Warns that your account will be shut down unless you reconfirm your financial information. · Warns that you have been the victim of fraud. · Has spelling or grammatical errors. Do Not access links contained in suspicious e-mail to reach any Web page. Instead call the company using a phone number you know is reliable (not one in that email), or type in the Website address you know is correct. Credit Union One and VISA will never ask you to provide any kind of confidential or financial details via an email request. We have also been modifying our online account access and e-statements to make them less vulnerable to these types of schemes. For more information about phishing including how to defend yourself against phishing email, and to report scams, please visit www.bbb.org/phishing and www.callforaction.org.