Privacy Policy




Malden Teachers' Federal Credit Union
Privacy Notice and Disclosure


Malden Teachers' Federal Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union’s privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If after reading this notice you have questions, please contact us at:

(781) 324-2241

or write to:

Patricia L Dempsey or Pam Ginivan
Malden Teachers' Federal Credit Union
10 Holden St. Suite 6
Malden, MA 02148

Information We Collect About You
We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications and other forms
Information about your transactions with us
Information we receive from a consumer reporting agency

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us
We may disclose nonpublic personal information about you to the following types of third parties:

Financial service providers, such as insurance companies, and mortgage service companies.
Non-financial companies, such as consumer reporting agencies, check/share draft printers, financial statement publishers, and plastic card processors.

Disclosure of Information to Parties That Provide Services to Us
In order for us to conduct the business of the credit union, we may disclose all of the information we collect as described above, to companies that perform other services on our behalf so that we may provide member’s competitive products and services. We may also disclose nonpublic personal information 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, or protect the security of our financial records.

To protect our member’s privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members
If you terminate your membership with Malden Teachers' Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information
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 or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do to Help
Malden Teachers' Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your account is lost or stolen.
Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity use on your account, we will attempt to contact you immediately.
Let us know if you have questions. Please do not hesitate to call us – we are here to serve you!

 

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