Privacy Policy

Premier Credit Union, your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your financial goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If after reading this notice you have questions, please contact at (866) 273-9938, or write to:

Premier Credit Union
800 9th Street
Des Moines, IA 50309-1202

You can also reach us by E-Mail.

Information We Collect About You

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms;
• Information about your transaction with us;
• Information we receive from consumer reporting agencies; and
• Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us

We may disclose nonpublic personal information about you to the following types of third parties:

• Financial services providers, such as insurance companies, and mortgage service companies; and
• Nonfinancial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, plastic card processors, government agencies, and mailhouses.

Disclosure of Information to Parties That Provide Services to Us

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial institution.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide to other third parties.

Disclosure of Information About Former Members

If you terminate your membership with Premier Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

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

What Members Can Do to Help

Premier Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, plastic card numbers, PINs (personal identification numbers), and passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, Social Security numbers and so forth to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
• Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.

Protecting Children's Online Privacy

From our Web sites, we do not knowingly collect or use personal information from children under 13 without containing verifiable consent from their parents. Should a child whom we know to be under 13 send personal information to us, we will only use that information to respond directly to that child, seek parental consent, or provide parental notice. We are not responsible for the data collection and use practices of nonaffiliated third parties to which our Web sites may link.

For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC Web site: www.ftc.gov

Protecting Your Privacy on Our Web Site

When you visit any web site, your "IP address" is recorded. We collect IP addresses for the sole purpose of tracking information and to compile statistics to help us improve our web site so that its users will find it more helpful and informative. The information is used solely for these analytical purposes and is discarded after use. IP address information is not distributed to third parties.

We also use a technology called "cookies" to customize the site for returning visitors. A cookie is a small piece of data, which is stored on a visitor's PC and later retrieved. For example, you may have noticed that upon returning to a frequently visited web site, you can quickly see the areas of the site you often visit. This is helpful when you return to a site to obtain information from certain sections quickly. Our policy is to use cookies only for these limited purposes.

Ensuring you have a secure online experience is very important. We have taken every security measure possible to ensure the safety and privacy of your funds. When personal or account information is requested, we protect it with the most dependable Internet security devices available. These include firewalls, filtering routers and authentication and encryption technology (commonly called SSL protocol or Secure Sockets Layers).

To provide you with greater access of information, our web site also contains links to other sites. While we hope these organizations join us in respecting your privacy, Premier Credit Union is not responsible for the content or privacy practices of these other web sites.