ACH Payment Changes: New electronic payment processing regulations will take place on Friday, September 15th. Transactions that are processed through the ACH (Automated Clearing House) could post to your account on the same day the merchant initiates the payment. If you have questions regarding any scheduled, recurring or automatic payments you have with a merchant, you will need to contact them to ask if they will be submitting your payments as Same Day debits. This will not affect any payments set up with Gulf Winds’ Bill Pay Service.

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Protecting your information

Privacy & Security

Rev. 11/2011 

What Does Gulf Winds Federal Credit Union Do With Your Personal Information?

Facts

 

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 income
  • account balances and payment history
  • credit history and credit worthiness

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 Gulf Winds Federal Credit Union chooses to share; and whether you can limit this sharing. 

 

Reasons we can share your personal information

 

Does Gulf Winds 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 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 toll free 1.800.650.6328

 

What we do

 

How does Gulf Winds 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 Gulf Winds Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account or apply for a loan
  • make a wire transfer or provide account information
  • give us your contact information

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.

 

Definitions

 

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Gulf Winds Federal Credit Union has no affiliates

Non affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Non affiliates we share with can include insurance companies, government agencies, plastic card processors (credit/debit/ATM), financial statement publishers or printers, mail house, consumer reporting agencies, data processors, and check/share draft printers

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include advertising and marketing agencies 

Download the PDF if you would like to keep a copy of our Privacy & Security information for your records. You may need the free Adobe Acrobat Reader.

Federal Credit Union Privacy Information (PDF)

 

We’re giving our profits back to you.

Auto Loans as
low
as
0.00 %
APR1
Free Checking as
high
as
0.00 %
APY2
Credit Cards as
low
as
0.00 %
APR3
IRAs as
high
as
0.00 %
APY4
Certificates as
high
as
0.00 %
APY5