Privacy Policy

The Holyoke Community Federal Credit Union is committed to making available financial products and services that will enable our Members to meet their financial needs and reach their financial goals.  Protecting personal information and using it in a manner consistent with our Member's expectations is a high priority for everyone associated with our credit union.

We recognize that our Members also have a responsibility to safeguard their financial information.  We will put forth every effort to work along with them to ensure that they can rely on the quality of products and services we make available.  In order to facilitate this goal, the credit union stands behind the following privacy policy.

Our credit union will collect only the personal information that is necessary to conduct our business.  That means just what is necessary to provide competitive financial products and services--no more.

Our credit union will protect our Member's personal information.  Our credit union will maintain strong security controls to ensure that member information in our files and computers is protected.  Where appropriate, we will use security coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect Member confidentiality.

Our members will always have access to their information.  As a member of our credit union, they will always have the opportunity to review their information and make changes to ensure that our records are complete and accurate.

Our credit union will share information only when absolutely necessary.  We will only share information to administer the products and services we provide, or when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services.

Our 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 firms to charge our Member's accounts without their express consent and we will not sell member information to telemarketing firms.

Our credit union will offer a choice in how our Members information is used.  Any Member of our credit union may elect to keep their information from being shared with our business partners.  We will inform our Members on how to exercise their choice, and we will take all reasonable steps to make sure their requests are followed.  At least once a year, we will remind all Members of their right to choose.

Members who request that the credit union remove their names from mailing lists being shared with third parties must notify the credit union in writing.  Opt out disclosures will be provided to all Members to assist them in this process.  New Member packets will also include these disclosures.  Upon receipt of an opt out notice from a Member, the credit union will immediately have their names removed from future mailing lists of all such third parties.

The Manager and Assistant Manager of the credit union will have the responsibility of responding to Member privacy notice inquiries as well as requests to review personal financial information the credit union may have collected.  Members will be reassured of the continued efforts of the credit union to protect the privacy of all personal financial information.