Terms of Use

First Capital Federal Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union.

As a member of our credit union, you also have a responsibility to safeguard your financial information. To ensure that you can rely upon the quality of products and services we make available, First Capital Federal Credit Union stands behind the following privacy policy statement:

Our credit union will collect only the personal information that is necessary to conduct our business. That means just what is necessary to provide competitive financial products and services-no more. This may include the following:

  • The Internet domain and IP address from which you access our web site
  • The date and time you access our site
  • The pages you visit
  • Your account number stored as a "cookie" during your time on our Internet Banking web page

Our credit union will protect your personal information. Our credit union will maintain strong security controls to ensure that member information in our files and computers is protected. Where appropriate, we will use security coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

You will always have access to your information. As a member of First Capital Federal Credit Union you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate. Our employees access information about you when necessary, for business purposes only - to administer your accounts, to provide requested services, or in response to a legally valid outside request or order (such as a subpoena). Our employees may also access information to exercise our rights under the law or pursuant to any agreement with you.

Our credit union will share information only when absolutely necessary. We will share information only to administer the products and services we provide, when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services. We may also share information if: (1) you request or authorize it; (2) the information is provided to help complete a transaction by you; (3) the information is provided to a consumer reporting agency in accordance with the Fair Credit Reporting Act; or (4) the disclosure otherwise is lawfully permitted. We do not provide account information or personal information to nonaffiliated third parties for the purpose of independent telemarketing or direct mail marketing of any products or services of those third parties.

Our credit union will partner only with businesses that follow strict confidentiality requirements. The businesses we select will offer products designed to enhance our members' economic well-being. Under no circumstances will we authorize these firms to charge your account without your express consent, and we will not sell member information to telemarketing firms.

This site may contain links to other sites. First Capital Federal Credit Union is not responsible for the privacy practices or the content of those sites. Please refer to the privacy policy statement on those sites for further information.