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FACTS WHAT DOES FIRST ENERGY FAMILY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

 

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 account balances
  • employment information and income
  • payment history and transaction 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 members€™ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members€™ personal information; the reasons First Energy Family Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does First Energy Family 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 to 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 don't share
For our affiliates' everyday business purposes – information about your creditworthiness
No We don't share
For our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share

 

Questions? Call 330-535-3611 or go to www.fefcu.com

 

What we do
How does First Energy Family Credit Union protect my personal 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.
How does First Energy Family Credit Union collect my personal information? We collect your personal information, for example, when you
  • open an account or show your government-issued ID
  • apply for financing or show your driver's license
  • give us your wage statements
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 nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing.

 

Definitions
Affiliates Companies related by common ownership or control. They can be financial and
nonfinancial companies.
- First Energy Family Credit Union has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and
nonfinancial companies.
- Nonaffiliates we share with can include insurance companies, government
agencies, financial statement publishers or printers, mailhouse, mortgage service
companies, consumer reporting agencies, and data processors
Joint Marketing A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
- Our joint marketing partners include loan recapture programs

Other important information



FirstEnergy Family Credit Union
575 White Pond Drive, Suite E
Akron, Ohio 44320-1184
(330) 535-3611
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Copyright 2019  FirstEnergy Family Credit Union, Inc., All rights reserved.

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*Home Equity Loans – APR = Annual Percentage Rate. Rates as low as 3.99% for up to 60 months. Actual rate may vary based on credit worthiness and the terms of the loan. Your rate can be higher depending on credit performance. Financing up to 80% of the appraised value of primary residence is available. Rates are subject to change without notice. Home Equity loans currently financed through the credit union may be subject to additional processing fees. For a limited time, FEFCU will pay all processing fees up to $400. Processing fees include appraisal, flood determination, title search, title insurance, mortgage document preparation and recording fees. $400 based on a $43,000 loan on a primary residence located in Summit County. Additional fees may apply based on amount of loan and county in which the primary residence is located. To qualify for the limited time, "Low Fee" special you must draw $30,000 for your first advance for 36 months. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice. If you pay-off the loan for any reason within 36 months, a $400 fee reimbursement charge will apply to reimburse processing fees. NMLS ID: 813333

1 - Vehicle Loans – *APR = Annual Percentage Rate. Rates as low as 2.99% for up to 60 months. Actual rate may vary based on credit worthiness, age of vehicle and the terms of the loan. Your rate can be higher depending on credit performance. Financing up to the NADA average retail value of the vehicle is available. Rates are subject to change without notice.

*Vehicle loan gas card – This offer is valid only for loans over $10,000 with a minimum term of 24 months. Loans currently financed with FEFCU are not eligible for this offer.