Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
A woman's hand holding the handle of a tea cup in a cafe with her phone sitting nearby.

What Does First Heritage Federal Credit Union Do With Your Personal Information?

Rev. Date 1/16

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
  • Account balances
  • Transaction history
  • Credit history
  • Account transactions
  • Checking account information
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 Heritage FCU chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does First Heritage FCU 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 nonaffiliates to market to you Yes Yes
To limit our sharing
  • Mail the form below
Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions? Call toll-free 1-800-833-3338

Mail-in Form
Mark any/all you want to limit:

___ Do not share my personal information with nonaffiliates to market their products and services to me.
Name
Address
City, State, ZIP
Account #
Mail to: First Heritage Federal Credit Union, 110 Village Square, Suite 101, Painted Post, NY 14870


Who We Are
Who is providing this notice? First Heritage FCU means First Heritage Federal Credit Union.
What We Do
How does First Heritage FCU 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does First Heritage FCU collect my information? We collect your personal information, for example, when you
  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • 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.)
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
  • First Heritage FCU has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Nonaffiliates we share with can include insurance companies (CUNA MUTUAL).
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include CUSO Financial Services to jointly offer investment and insurance products to help members meet their financial goals.
Other Important Information

For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Members. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

Additional information concerning our privacy policies can be found at www.fhfcu.org or call 1-800-833-3338.

What Does First Heritage Federal Credit Union Do With Your Personal Information?

Rev. Date 1/16

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
  • Account balances
  • Transaction history
  • Credit history
  • Account transactions
  • Checking account information
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 Heritage FCU chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does First Heritage FCU 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 nonaffiliates to market to you Yes Yes
To limit our sharing
  • Mail the form below
Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions? Call toll-free 1-800-833-3338

Mail-in Form
Mark any/all you want to limit:

___ Do not share my personal information with nonaffiliates to market their products and services to me.
Name
Address
City, State, ZIP
Account #
Mail to: First Heritage Federal Credit Union, 110 Village Square, Suite 101, Painted Post, NY 14870


Who We Are
Who is providing this notice? First Heritage FCU means First Heritage Federal Credit Union.
What We Do
How does First Heritage FCU 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does First Heritage FCU collect my information? We collect your personal information, for example, when you
  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • 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.)
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
  • First Heritage FCU has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Nonaffiliates we share with can include insurance companies (CUNA MUTUAL).
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include CUSO Financial Services to jointly offer investment and insurance products to help members meet their financial goals.
Other Important Information

For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Members. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

Additional information concerning our privacy policies can be found at www.fhfcu.org or call 1-800-833-3338.