Privacy Policy

Upper Cumberland Federal Credit Union strives to protect the privacy of our members in every way possible. This notice is to inform you of the steps we take to protect the privacy of your personal information. Throughout this notice, the word "information" refers to personal information about you that may not be publicly available.

If you decide to terminate your membership with us or become an inactive member, we will not share information we have collected about you, except as may be permitted or required by law.

We also follow the regulations of the Fair Credit Reporting Act.

How we protect your information

We restrict information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your information.

Information that we collect and disclose to others

We collect information about you from the following sources:

Applications and other forms you submit to us. This includes but is not limited to your name, address, social security number, assets and income.
Information about your transactions with us or others. This includes but is not limited to you account number, account balance, payment history, and credit card usage.
Consumer reporting agencies. This information includes but not limited to your credit history and credit worthiness.
We may disclose all of the information that we collect, as described above.

Parties to whom we disclose the information:

Financial service providers, such as those that provide mortgage securities, credit card, and insurance services.

We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose information about you under other circumstances, as permitted or required by law. We may also disclose information about you under other circumstances, as permitted or required by law.