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Privacy Policy

Rev. 04/19
FACTS
WHAT DOES COMMON TRUST FEDERAL 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
  • Account transactions and checking account information
  • Overdraft history and transaction or loss history
When you are no longer our member, 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 Common Trust Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Common Trust Federal 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 non-affiliates to market to you. NO We don’t share
Questions?
Call(781) 933-2600 or go to www.commontrustfcu.org
What We Do
How does Common Trust Federal 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 Common Trust Federal Credit Union collect my personal information? We collect your personal information, for example, when you:
  • Open an account or use your credit or debit card
  • Show your government-issued ID or apply for financing
  • Provide account information
We also collect 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.
    Common Trust Federal Credit Union does not have affiliates.
    Non-affiliates Companies NOT related by common ownership or control. They can be financial and nonfinancial companies.
    Common Trust Federal Credit Union does not share with our nonaffiliates so they can market to you.
    Joint Marketing A formal agreement between non-affiliated financial companies that market financial products or services to you.
    Our joint marketing partners include insurance companies.