Policy Statement


Urbana Postal Credit Union (UPCU), your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals.  We are equally committed to protecting the privacy of our members.  This notice describes our privacy policy and practices concerning the personal information we collect and disclose about our members.  It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.  If, after reading this notice, you have questions, please contact us at 217-367-0653 or write to: UPCU, PO Box 17337, Urbana IL 61803-7337.

Information We Collect About You - We collect nonpublic personal information about you from these sources: applications and other forms, transactions with us, consumer reporting agency.

Parties Who Receive Information From Us - We may disclose all of the information we collect as permitted by law.  We may disclose nonpublic personal information about you to third party financial service providers such as insurance companies, and non-financial companies such as consumer reporting agencies, data processors, check/share draft printers, plastic card processors, and governmental agencies.

Disclosure of Information to Parties that Provide Service to Us - In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with which we have joint marketing agreements so that we may provide members competitive products and services.  We may also disclose nonpublic personal information about you under circumstances as permitted or required by law.  These disclosures typically include information to process transactions on your behalf, conduct the operations of the credit union, follow your instruction as you authorize, or protect the security of our financial records.  To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide.  We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members - If you terminate your membership with UPCU, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information - We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do to Help - UPCU is committed to protecting the privacy of its members.  Members can help by following these simple guidelines:

* Use caution when disclosing your account numbers, social security numbers, etc. to other persons.  If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware.  Official credit union staff will have access to your information and will not need to ask for it.

* Keep your information with us current.  If your address or phone number changes, please let us know.  It is important that we have current information on how to reach you.  If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.

* Let us know if you have questions.  Please do not hesitate to call us - we are here to serve you.