Privacy & Security

• Protect the privacy of your nonpublic personal information;
• Provide services to help you succeed financially; and
• Maintain standards and procedures designed to protect the security of your financial information.

Meeting Your Financial Needs. In an effort to better serve you, we collect information about you and use it, for example, to service your accounts, to process your transactions and to understand your needs. In every day business, we collect:

• Information you provide to us in person, via mail or through the Internet, such as on applications;
• Information obtained through your transactions with us;
• Information we receive from nonaffiliated third parties about their transactions and history with you; and
• Information we receive from consumer reporting agencies, such as your credit history.

Sharing Your Information. We may share the information we collect with nonaffiliated third parties as permitted by law, for example, to process and complete transactions, maintain accounts, report to credit bureaus and respond to subpoenas. We also may share the information we collect with companies that perform services and functions, including marketing services, on our behalf. These companies may include financial service providers such as online bill payment service providers, and non-financial companies such as check printing or mail houses. These companies might assist us in fulfilling your service request, processing your transaction or mailing member statements.

We may share the information we collect with other financial institutions with whom we have joint marketing agreements. For example, if we do not offer a particular financial service, such as stock, bond and mutual fund investment services or insurance products, we may enter into a joint marketing agreement with a company to offer the particular product or service to you or to offer you financial products and services at reduced prices. These companies are obligated to keep any information we share with them confidential.

Unless you tell us not to (see “You May Opt-Out”), we also may share the information we collect with our affiliates and with nonaffiliated third party companies.

Medical information is only shared as necessary to process your transactions and as permitted or required by law.

Safeguarding Your Personal Information. We follow security procedures designed to guard against unauthorized access to your confidential information. We have policies in place that prohibit employees from accessing your personal information unless there is a business reason to do so (for example, to process a transaction). We also maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We also regularly test and, as necessary, update our technology in order to maintain an appropriate level of protection and to ensure the integrity of our information.

Notices and Joint Relationships. Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other document with us. The notice will be mailed to the address noted for the person listed first on the member application, agreement or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we will send all notices and notifications to the e-mail address provided by the person listed first on the application. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.

You May “Opt-Out”. We are aware that our members may have differing views on receiving offers of products and services not offered by us and on the sharing of nonpublic personal information for other reasons. You may “opt-out” (stop) our sharing some information – that is, information about your creditworthiness that does not come from our direct transactions or experiences with you – with our affiliates or with nonaffiliated third parties except as permitted by law. If you do not want us to share this type of information with our affiliates or with nonaffiliated third parties, please write or call us at the address or number indicated below. When writing, please indicate that you wish to “Opt-Out” of nontransaction/nonexperience information sharing and include your name, address, phone number and account number. If you have a joint account, we will treat the information sharing restriction request(s) by one party on the account as applying to all parties on the account.

Andrews Federal Credit Union
Attn: Deposit Operations
P.O. Box 3000
Clinton, MD 20735-6001

Please allow two weeks to process your request. Even if you “opt out,” you will continue to receive monthly marketing solicitations and disclosure notices from us.

Links to Other Websites. Our website may feature links to third-party Websites that offer goods or services. When you click on one of these links, you will be leaving our Website and will no longer be subject to our privacy policy. We are not responsible for the information collection practices of the other Websites that you visit and urge you to review their privacy policies before you provide them with any personal information.

Third-Party Advertisements. Third-party providers may offer services from time to time at our Website. If you provide them with information, their use of that information will be subject to their privacy policies and will not be subject to our privacy policy.

Email. Certain areas of our Website allow you to submit information or ask questions via email. If you identify yourself by sending an email, we will collect and retain the email address, along with the information contained in the message. Your email address will be used to follow-up with you, to meet legal and regulatory requirements, and for marketing and/or research and development purposes. You should be aware that email communication on the Internet may not be secure against interception by third parties. Therefore, you should consider an alternative method for communicating confidential or sensitive information, and avoid sending this information to us by email.

Member-Only Areas. We only collect personal identification (for example, account number, PIN, password) when you have registered to enter our secure Online Banking service or Visa® Online.

Cookies. We may place "cookies" on a computer to track a visitor's use of our Website. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us customize our site and make its navigation easier for you. Unless you register with us for an online service, the cookie does not provide us with any personally identifying information about you, such as your name or address.

Timeout Feature. In areas of the website that require a password, there is a timeout feature. The timeout feature acts as a security back-up and automatically logs off your session after an extended period of inactivity. For privacy reasons, it’s always safer to log off the system when you finish your online transactions instead of relying on this back-up security feature.

Privacy Policy for Children's Online Protection. For information about our privacy policy for the online protection of children’s information, please click here.

Our Policies May Change. We will provide Notice of our Privacy Policy to consumers when they establish a member relationship and after that, annually as long as the member relationship with us is maintained. This policy may be revised as our business needs change or as the law requires, and we will provide prior notice of changes as required by law.