In the realm of financial operations, the sharing of members’ personal information is a necessary component for the smooth functioning of everyday business activities. In the following section, we outline the specific reasons why financial companies engage in sharing this information, shedding light on Signal Financial Federal Credit Union’s deliberate choices in sharing practices, and providing clarity on whether you, as a valued member, have the option to limit this sharing.
| Reasons we can share your personal information | Does Signal Financial Federal Credit Union share member information? | 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 non-affiliates to market to you | No | We don’t share |
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 law and individual companies may give you additional rights to limit sharing. 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.
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 credit card or other debt
- Credit history and credit scores
When you are no longer our member, we continue to share your information as described in this notice.
How does Signal Financial 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 Signal Financial Federal Credit Union collect my personal information?
We collect your personal information, for example, when you:
- Open an account or show your government-issued ID
- Provide employment information or give us your contact information
- Show us your driver’s license
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
View Our Annual Privacy Policy
Internet Privacy Policy
Information Collected and Stored Automatically
We collect various types of information when you interact with our website, submit a contact form, or agree to popups, including but not limited to your:
- Personal information (e.g., name, email address, contact details) provided voluntarily by you
- Non-personal information (e.g., IP address, browser type, device information) collected automatically through cookies and similar technologies
We collect this information for the following purposes:
- To provide and personalize our services
- To communicate with you about our products, services, and promotions
- To analyze and improve our website, services, and user experience
- To comply with legal obligations and protect our rights
Signal Financial has SSL encryption on our online banking platform and encrypts pages collecting sensitive information on signalfinancialfcu.org.
Children’s Privacy
We do not knowingly collect Personal Information from individuals under the age of 13 who use our Sites without obtaining consent from a parent or legal guardian.
To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the National Credit Union Administration Regulatory Alert or the Federal Trade Commission’s website.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
— Signal Financial Federal Credit Union has no affiliates.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
— Signal Financial Federal Credit Union does not share with our non-affiliates so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
— Our joint marketing partners include investment and insurance companies.
Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
Routing Number:
255075495
Main Line
301-933-9100
VISA® Credit Card: General Assistance
For Consumer/Business Cards:
800-328-3018
For Visa Signature Cards:
800-328-3033
ATM/VISA® Debit Card: Lost/Stolen
866-498-2213
Automated Phone System
800-447-8997
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