Privacy Policy


FACTS WHAT DOES ATHENS AREA 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 Income and Account balances
  • Transaction history and Payment history and Credit history
  • Credit scores and Overdraft history and Account transactions

  • 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 Athens Area Credit Union chooses to share; and whether you can limit this sharing.

    Questions?

    Call 715- 257-9337 or go to www.AthensAreaCU.com

    Reasons we can share your personal information Does Athens Area 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 NO We don't share
    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 nonaffiliates to market to you
    NO We don't share
    Who we are
    Who is providing this notice? Athens Area Credit Union
    What we do
    How does Athens Area 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. 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 Athens Area Credit Union collect my personal information? We collect your personal information, for example, when you
  • Open an account
  • Use your ATM/debit card
  • Pay your bills
  • Apply for a loan
  • Make a wire transfer
  • Make deposits or withdrawals from your account

  • We also collect your personal information from others, such as credit bureaus 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
  • Definitions
    Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
    • Athens Area Credit Union has no affiliates.
    Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
    • Athens Area Credit Union does not share with nonaffiliates so they can market to you.
    Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
    • Athens Area Credit Union doesn't jointly market.

    *APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Other terms and conditions may apply. Contact us for further information.

    **APY = Annual Percentage Yield.

    Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U. S. Government Agency. Athens Area Credit Union is an equal opportunity housing lender.

    Federally insured by NCUA Athens Area Credit Union is an Equal Housing Lender
    Lobby & Drive-Up Hours

    Mon - Thurs: 8:30 a.m. - 4:30 p.m.

    Friday: 8:30 a.m. - 5:00 p.m.

    Saturday: 8:30 a.m. - Noon

    Routing Number: 275976943

    Contact Numbers

    Phone: (715) 257-9337

    Fax: (715) 257-9910

    Contact Numbers

    MasterCard Debit Card:

    1 (800) 383-8000

    VISA Credit Card:

    1 (800) 322-8472