Account Disclosures

• Membership Account Agreement
• Truth-in-Savings Disclosure
• E-SIGN Disclosure and Consent Agreement
• MACO User Agreement
• Privacy Notice

Fee Schedule 

Rate Schedule

Privacy Statement

A Private Note to Our Members:
A Credit Union is owned by its members and run by a Board of Directors elected by the membership. You can be confident that your financial privacy is a top priority of this credit union.

Information We Collect
We collect nonpublic personal information from many sources, including member applications and other applications for products and services, from those who do business with us or with our vendors, and from consumer reporting agencies. Journey Federal Credit Union will collect only the personal information that is necessary to conduct our business.

Information We Disclose
We do not disclose or sell information to non-affiliated businesses or third parties desiring access to our member information. We may disclose information we collect 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 our credit union, follow your instructions as you authorize, or protect the security of our financial records.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you with our affiliates, to complete your transactions and to provide you with certain financial opportunities. We have also entered into agreements with other companies that provide either services to us or additional financial products for you to consider. Under these agreements, we may disclose information we collect to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect your privacy, we require these companies to agree to maintain strong confidentiality protections and we prohibit their use of this information other than to carry out the purposes for which it is disclosed.

If you terminate your membership with Journey Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

Steps We Take To Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees, members of the Board of Directors and Committee Members shall maintain confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and industry practices to safeguard your nonpublic personal information.

Privacy Notice
Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has recently been changed to exclude the opt-out mail-in form. You may review our policy and practices with respect to your personal information or we will mail you a free copy upon request if you call us at 989-227-3700.

Linking to Other Web Sites
Journey Federal Credit Union is not responsible for the content of any third party Web site or the privacy practices of such third parties. In addition, a link from our Web site to another Web site does not indicate that Credit Union endorses the services or policies of such third party Web site. You should always investigate the information practices of all Web sites that you access and carefully examine the privacy policies, if any, of the Web sites appearing on or linking to or from our Web site. Information collected from the linked Web sites will be subject to the information practices of those Web sites.

Security Statement

Our Credit Union is constantly concerned about our member’s critical information and privacy. With this in mind, we have the following security services installed on our Internet server:

• Each server is behind a Firewall. This UNIX based hardware product blocks critical ports and IP addresses on servers from external attack and access.

• Each server runs proprietary software that constantly monitors the servers for unauthorized use and attempts to "hack" into information. Administrators are contacted when forced attacks are committed, and countermeasures can be applied to stop these instances.

• All administrative activity requires user login and authentication. All administrative updates are logged into files that can be reviewed later.

• All servers come with a Global Verisign Certificate (RSA) for digitally encrypted communications between the Web server and our members. Information passed in applications cannot be decrypted by third parties attempting to "pick" information being passed across the Internet backbone.

• All servers run the latest version of Apache Web Server, considered the strongest and most secure Web server software on the market.

BIOMETRIC INFORMATION PRIVACY POLICY AND CONSENT

Scope and Overview

This policy outlines how Journey Federal Credit Union, its vendors, and/or the licensor of the Journey Federal Credit Union’s consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes.

Biometric Data Defined

As used in this policy, biometric data includes “biometric identifiers” and “biometric information”. “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a "biometric identifier." “Biometric information” means any information, regardless of how it is captured, converted, stored, or shared, based on an individual’s biometric identifier used to identify an individual.

Disclosure and Authorization Policy

To the extent that Journey Federal Credit Union, its vendors, and/or the licensor of the Journey Federal Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, Journey Federal Credit Union must first:

• Inform each consumer that Journey Federal Credit Union, its vendors, and/or the licensor of the Journey Federal Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the employee’s biometric data, and that the Journey Federal Credit Union is providing such biometric data to its vendors and the licensor of the Journey Federal Credit Union’s consumer verification software;
• Inform the consumer of the specific purpose and length of time for which the consumer’s biometric data is being collected, stored, and used; and
• Receive consent by the consumer authorizing Journey Federal Credit Union, its vendors, and/or Journey Federal Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed by the Journey Federal Credit Union, and for Journey Federal Credit Union to provide such biometric data to its vendors and the licensor of the Journey Federal Credit Union’s consumer verification software.
• Journey Federal Credit Union, its vendors, and/or the licensor of the Journey Federal Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from employees’ biometric data; provided, however, that the
• Journey Federal Credit Union’s vendors and the licensor of the Journey Federal Credit Union’s consumer verification software may be paid for products or services used by Journey Federal Credit Union that utilize such biometric data.

This policy is intended to comply with all federal, state, and local laws.

Purpose for the Collection of Biometric Data

Journey Federal Credit Union, its vendors, and/or the licensor of Journey Federal Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.

Disclosure

Journey Federal Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the Journey Federal Credit Union’s consumer verification software providing products and services using biometric data without/unless:

• First obtaining consumer consent to such disclosure or dissemination;
• The disclosed data completes a financial transaction requested or authorized by the consumer;
• Disclosure is required by law or ordinance; or
• Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.

Security

Journey Federal Credit Union shall use a commercially reasonable standard of care to store, transmit and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in a manner that is the same as or more protective than the manner in which Journey Federal Credit Union stores, transmits and protects from disclosure other confidential and sensitive information, including personal information that can be used to uniquely identify an individual or an individual’s account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver’s license numbers and social security numbers.

Retention

Journey Federal Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of Journey Federal Credit Union’s consumer verification software permanently destroy such data when, the first of the following occurs:

• The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity;
• Request of consumer to destroy the biometric data; or
• Within 30 days of consumer’s provisioning of biometric data.

Contact Information

If you have any questions about our use, storage, or security of your biometric data you can contact us at: staff@journeyfcu.org.

BIOMETRIC INFORMATION CONSUMER CONSENT

As outlined in the “Biometric Information Privacy Policy”, I understand and consent to the collection, use, retention, storage, and/or disclosure or re-disclosure of data or images from biometric verification technology by Journey Federal Credit Union, its vendors, and/or the licensor of the Journey Federal Credit Union’s consumer verification software. I acknowledge that I have been given a copy of the Policy, or that the Policy has been made accessible to me, and I have had an opportunity to review it and request any additional information concerning the Journey Federal Credit Union’s procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.