What do we do with your informa
Facts WHAT DOES NORTHWOODS COMMUNITY CREDIT UNION (NCCU) 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
  • Income
  • Account balances
  • Payment history
  • Credit History and Credit Scores
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons NCCU chooses to share; and whether you can limit the sharing.

Why We share your information
Reasons we can share your personal information Does NCCU 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 No
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 our affiliates to market to you No We Don't Share
For our non affiliates to market to you No We Don't Share

Questions? Call (715) 762-3208


What we do
What We Do How
How does Northwoods Community Credit Union (NCCU) 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 Northwoods Community Credit Union (NCCU) collect my personal information? We collect your personal information, for example, when you
  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card
We also collect your information from others, such as credit bureaus, affiliates, 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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

Definitions
Definitions Example
Affiliates Companies related by common ownership or control. They can be financial or non-financial companies.
  • NCCU has no affiliates
Non-affiliates Companies not related by common ownership or control. They can be financial or non-financial companies.
  • NCCU does not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance companies.

Website Privacy Policy

Northwoods Community Credit Union respects your right to privacy.  When you visit our website, you may be providing information to Northwoods Community Credit Union on two different levels:  anonymous statistics collected as you browse the site and personal information you knowingly give us.

Northwoods Community Credit Union would like to assure you that we do not:

  • collect personal information from you unless you provide it to us, or

  • provide or sell names and addresses of our members and site users to outside parties

Northwoods Community Credit Union does:

  • safeguard members’ and site users’ information from unauthorized access, and

  • maintain the confidentiality of member information which you provide to us.

As you browse our site, our web server collects information about your visit, not about you personally.  Via web server logs, we monitor statistics such as:

  • how many people visit our site

  • what browser was used

  • what ISP was used

While we gather this information, none of it is associated with you as an individual.  We use these statistics to monitor the performance of our web site and to make it easier for you and other visitors to use.

Within Northwoods Community Credit Union, you may be asked to give us personal information in order to apply for membership, a loan, or other services, or to order checks.  Our application forms securely collect personal and financial information.  The information that we collect on our applications is used only to process your request quickly and accurately.  When you submit an application, your personal and financial information is encrypted.  To confirm that your application form is secure, look for the image of a lock or key on the bottom bar of your browser window.  If the lock is closed or the key appears whole, then you are viewing a secured page.  Otherwise, the lock may appear as open or the key appear as broken.

You can link to other websites from www.northwoodscu.com.   A notice will be displayed prior to leaving the credit union’s website.  If you link to another website from any of our pages NCCU cannot be held responsible for the content of the alternate website, nor do we represent either the third party of the member if the two enter into a transaction.  An alternate website’s privacy and security policies may differ from those of Northwoods Community Credit Union.  Therefore, we encourage you to read the policies of the website reached through the use of links from the credit union website.

Northwoods Community Credit Union does not knowingly collect, maintain or use personal information from our website about children under age 13.  If a child whom we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.

If you have any questions about the privacy or security of Northwoods Community Credit Union’s website, please contact us at nccu@northwoodscu.com.