Privacy Policy

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Privacy Policy



What Does Memphis City Employees Credit Union Do With Your Personal Information?

Rev. Date 9/14

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social security number and credit history
  • Employment information and overdraft history
  • Wire transfer instructions and payment history
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Memphis City Employees Credit Union chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Memphis City Employees Credit Union Share? Can You Limit This Sharing?
For our everyday business purposes
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes
information about your transactions and experiences
No We Do Not Share
For our affiliates’ everyday business purposes
information about your creditworthiness
No We Do Not Share
For our affiliates to market to you No We Do Not Share
Questions? Call 901-321-1200 or toll-free 1-877-825-3180
What We Do
How does Memphis City Employees Credit Union protect my information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.
How does Memphis City Employees Credit Union collect my information? We collect your personal information, for example, when you
  • Open an account or show your government-issued ID
  • Provide employment information or give us your contact information
  • Show your driver's license
We also collect your personal information from others such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates’ everyday business purposes –information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
(See below for more on your rights under state law.)
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
  • Memphis City Employees Credit Union has no affiliates.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Memphis City Employees Credit Union does not share with non-affiliates so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you. 
  • Our joint marketing partners include CUNA Mutual Group's MEMBERCONNECT, credit card companies, loan recapture programs, financial advisors, and Insurance companies.

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