Privacy & Security

YOUR SECURITY - WE PROTECT IT

Houghton Mifflin Harcourt Employees Federal Credit Union employs the latest encryption technology to protect your personal information. Transactions via CU Online, our home financial service, are made in a secure environment. Your personal information is protected by state-of-the-art online technology.

YOUR PRIVACY - WE RESPECT IT

We have never shared nonpublic personal information except as required by law, and we will continue to protect your privacy.
Information We May Collect
We collect nonpublic personal information about you from the following sources:
·          Information we receive from you on applications or other forms, such as: your name, address, social security number, assets, debts and income.
·          Information about your transactions with us, our affiliates or others, such as: your account balance, payment history, parties to transactions, and credit card usage.
·          Information we receive from a consumer reporting agency, such as: your creditworthiness and credit history.
Information We May Disclose
We do not disclose any nonpublic personal information about our members or former members to anyone, except as required by law.
Disclosure As Permitted By Law
We may disclose all of the information we collect, as described above to service providers and companies that perform marketing services on our behalf (for example--check-printing companies).
Confidentiality and Security
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, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

If you ever have questions or concerns about the integrity of your account information, please contact us.

Your Insured Funds
The National Credit Union Share Insurance Fund NCUSIF) is the federal fund created by Congress in 1970 to insure member's posits in credit unions up to the $250,000 federal limit. Administered by the National Credit Union Administration, the NCUSIF is backed by the "full faith and credit" of the U. S. Government.

Your savings federally insured to at least $250,000
National Credit Union Administration, a U.S. Government Agency


	What's New?


	Your Online Privacy We value the trust that you place in us and in this online service. We know that our members expect privacy and confidentiality in all dealings with the Credit Union, and we pledge that we will take the steps necessary to protect the privacy of information shared with us. No action can be taken involving your data without your prior consent. What types of non-public personal information do we collect about you? We collect and retain data from individual members including information we receive from you on the online applications and forms. We also retain data from the transactions you initiate through the CU Online product in order to process your request. Do we disclose to any affiliated or non-affiliated third parties your non-public personal information? We may disclose the following kinds of nonpublic personal information about you to affiliated or non-affiliated third parties such as financial service providers, ATM networks, and payment processors: 1. Information we receive from you on application forms such as your name and account numbers 2. Information about your transactions with us or others such as account balance, payment history, parties to transactions, and usage of our system We will not reveal specific information about member accounts or other personally identifiable data to affiliated or unaffiliated third parties except as follows: 1. when the information is required to complete a transaction that you initiate; 2. when you request it; 3. when disclosure is required by law (e.g. subpoena, investigation of fraud, etc.); or 4. when you have been informed about the possibility of disclosure for marketing or similar purposes and you are given the opportunity to decline or opt out. Business Relationships with Third Parties We agree that we will not share information with third parties who do not adhere to similar privacy principles and practices as ours. Children's Online Privacy The law requires parental consent to collect or use information from a child under 13. If you are a child under 13, please show this to your parents and do not use the online services of this institution without verifiable parental consent pursuant to the Children's Online Privacy Protection Act


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	Your savings federally insured to at least $250,000


	To contact us: 181 Ballardvale Street Wilmington, MA 01887 Phone: 978-661-1425 Fax: 978-661-1325 Email: Credit.Union@hmhpub.com


	National Credit Union Administration, a U.S. Government Agency