Privacy
St. Paul Federal Credit Union Privacy Disclosure
It is the policy of St. Paul Federal Credit Union to protect the privacy of our members and nonmembers (joint owners, co-borrowers and guarantors). We will collect only the nonpublic personal information that is necessary to conduct our business and provide our financial services and products. We collect nonpublic personal information on members and nonmembers from some or all of the following sources:
Information we receive from members and nonmembers on applications or other forms, such as name, address, social security number, assets and income.
Information about member’s transactions with us, our affiliates, or others, such as account balance, payment history, parties to transactions, and credit card usage. Information we receive from consumer reporting agencies, such as credit worthiness and credit history.
Information obtained when verifying the information provided by members on an application or other forms. This may be obtained from current or past employers, or from other institutions that members and nonmembers have informed us that they have conducted financial transactions.
We will only disclose information as permitted by law. We will only share information to administer the products and services we provide, or when required by law, or when we partner with other businesses to offer a broader array of products and services.
St. Paul Federal Credit Union will partner only with businesses that follow strict confidentiality requirements. The businesses we select will offer products designed to enhance our member’s economic well-being. Under no circumstances will we authorize these businesses to charge the accounts of our members without the members express consent, and we will not sell member information to telemarketing firms.
We will protect member and nonmember’s information by restricting access to nonpublic personal information to employees who have a specific business purpose in utilizing member and nonmember data. Our employees are trained in the importance of maintaining confidentiality and member privacy.
We will maintain strong security controls to ensure that members and nonmembers information in our files and computers is protected. We will maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices to safeguard member’s and nonmember’s nonpublic personal information.
St. Paul Federal Credit has never shared nonpublic personal information except as permitted by law and we will continue to protect our member and nonmember’s privacy. If we should enter into a partnership that needs members or nonmembers nonpublic personal information, we will offer our members a choice in how their information is used. We will inform our members how to exercise their choice. At least once a year, we will remind all members of their right to choose.
St. Paul Federal Credit Union values your interest in learning more about our products and services and we are committed to protecting the personal privacy of the visitors to our Web site. It is our policy to limit the collection and storage of personal information to that necessary for us to administer our business, provide you with quality service and offer you opportunities we think might be of interest.
St. Paul Federal Credit Union uses “Cookies” when you are attempting to enter the secured portion of our website. A cookie is a piece of data stored on a computer's hard drive, which contains information about the Web site visitor. Cookies do not contain information that can personally identify you. These cookies are used to manage the traffic on the internet banking site and are stored on your web browser while you are connected to our secured internet banking site. The cookies will expire when you log-off from our secured site.
To provide you with greater access of information, the St. Paul Federal Credit Union site also contains links to other sites. While we hope these organizations join us in respecting your privacy, St. Paul Federal Credit Union is not responsible for the content or privacy practices of these other Web sites. If you have any questions or comments about our Web site privacy practices, you can contact us at:
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or by phone at 651-772-8744 (Mon-Fri, 8am - 6pm CT) or toll free at 888-439-4239 (Mon-Fri, 8am - 6pm CT).
