Privacy Policy

FACTS	What Does M-O Federal 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 checking account information - Credit history and employment information - Income and payment history 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 reason M-O FCU chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does M-O FCU 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 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 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 1-605-353-9977 or go to www.m-ofcu.com

What we do
How does M-O FCU 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 M-O FCU collect my personal information?	We collect your personal information, for example, when you - open an account or apply for a loan - apply for insurance or enter into investment advisory contract - apply for financing We also collect your personal information from 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 you credit-worthiness - 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. - M-O FCU does not share with our affiliates
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. - M-O FCU 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. - M-O FCU does not jointly market

Member Benefits

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Home Sweet Home
Fast, affordable home loans, and help every step of the way.

With You On The Go
Check balances, deposit checks, use Bill Pay...all in the palm of your hand.

New Car Smell
Great rates, flexible terms, personalized service. No payments for 90 days.

Because Life Happens
Borrow for vacation, medical, wedding, adoption, pet - any variety of expenses.

Earning Your Degree
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Swipe With Confidence
Credit cards - no annual fee, fixed rate, EMV chip, payments made at M-O FCU.

Seasonal Spending
Because there are just certain times of the year you could use extra cash.

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