Privacy Disclosure

The Health and Education Federal Credit Union is committed to providing you with competitive products and services to meet your financial needs. We are equally committed to protecting the privacy of our members. We are required by law to give you this privacy notice. This notice describes our credit union's privacy policy and practices concerning the personal data we collect and how it is used to enable us to provide products and services to you.

We collect nonpublic information about you from the following sources:
*Information we receive from you on applications and other forms;
*Information about your transactions with us;
*Information we receive from a consumer reporting agency;
*Information obtained when verifying the information you provide on an application or other form.

We may disclose all of the information we collect, as described above, as permitted by law. We may disclose nonpublic personal information to companies that perform marketing services on our behalf with whom we have joint marketing agreements. We may also disclose nonpublic personal information about you to the following types of third parties:
*Financial service providers, such as insurance companies;
*Non-financial companies, such as consumer reporting agencies, check/share draft printers, plastic card processors and government agencies.

The Health and Education Federal Credit Union restricts access to your personal identifiable financial information to those employees, directors and supervisory committee members who need to know that information to provide products or services to you or perform their duties under federal or state regulations. We maintain physical and electronic procedural safeguards that comply with federal regulations to guard our nonpublic personal information.

Equal Housing Lender

National Credit Union Administration