Privacy Policy

MidWest America Federal Credit Union is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at (260) 482-3334 or (800) 348-4738

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider. Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ 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 to other third parties the information we provide to them.

Information We Collect and Disclose About You

We collect and may disclose nonpublic personal information about you from the following sources;

Information we receive from you on membership and loan applications and other forms:

Information about your transactions with us or others:

Information we receive from a consumer reporting agency:

Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

We may also disclose information we collect about you under other 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, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with MidWest America Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How we Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

Online Privacy Policy

MidWest America Federal Credit Union recognizes the importance of protecting the privacy of members and others who visit our Web sites.  To this end, MidWest America Federal Credit Union is committed to securing and protecting information that may personally identify you in the online environment.  This is MidWest America's commitment to you, our valued members.

For each visit to our Web pages, we collect the domain name and information volunteered by visitors (such as survey information and/or site registrations).  We also collect the e-mail addresses of those who communicate with us via e-mail so that we may respond.  Information on what pages are accessed or visited is collected on an aggregate basis, not individually.

The information we collect is used to improve the content of our Web sites and the services and products that may be offered to you.  This information may also be used to notify visitors who have requested to be contacted about product news, updates, and information.

If you do not want to receive e-mail from us in the future, please let us know by sending e-mail to us at callcenter@mwafcu.org telling us that you do not want to receive e-mail from the credit union.

If you supply us with your postal address and/or telephone number online, we may use them to contact you with information on products and services or upcoming events.  If you never wish to be contacted for any products, services, or special promotions, please let us know by sending e-mail to callcenter@mwafcu.org.

It should be noted that information contained in e-mail is not entirely secure and can be intercepted by a third party.  Instead of relaying sensitive personal information via e-mail, we suggest you visit one of our branches or call our telephone call center at 260-482-3334 or toll free at 1-800-348-4738.

• Cookies:   We use cookies in the CU Anywhere section of our web site.  A cookie is a small text file that is given to a web browser by a web server and allows us to recognize you while you use CU Anywhere.  The cookie is attached when you log on to CU Anywhere and is removed when you log off.  For security purposes, the cookie contains limited information.
  
• Banners and Web Linking: Our web site contains banner advertisements and hypertext links.  These are links to web sites created and maintained by other public and private organizations that provide products, services, or information that may be helpful to members.  We will not represent either the third party or the member if the two enter into a transaction.  Also, we cannot be responsible for the personal information collected and used by these sites, or their security.  We encourage you to always read a web site's privacy policy and security information before giving them any personal information.  Furthermore, when you click on a banner advertisement, a tag will be used to track "click-throughs" from our site.  These tags do not contain any personal information, and are only used for traffic evaluation.
• Online Security: We maintain reasonable security to protect member information.  Our database is not directly accessible through the internet.  Firewalls and SSL (Secure Sockets Layer) Handshake Protocol that utilizes 128-bit encryption and authentication technology, are used to protect proprietary information on our network from unauthorized access via the internet.  Network traffic is monitored for hacking activity and computer viruses and a third party security service provider regularly evaluates and tests for system vulnerabilities.  Also, mwafcu.org is a VeriSign Secure site. 

What can you do to protect your account?

Members can add to the security of their accounts by choosing unique access codes at least six characters long and use a combination of alpha and numeric characters.  They should also keep their access codes confidential and monitor the "last activity" box that pops up after logging in for unauthorized attempts to access their account.  If an unauthorized attempt has occurred, the member should change their password immediately and evaluate the security of their PC.  

Children's Online Privacy:

Normally, we do not knowingly collect, use, or maintain personal information from our website about children under the age of 13.  However, members of all ages can submit questions, comments or requests through the website.  Should a child under the age of 13 send personal information to us, we will only use that information to respond directly to the child.  Only information required to complete the request such as email address, name, and type of request will be collected.  After the response is made, all paper and electronic information related to the child will be destroyed.  If the child is requesting a service or similar activity where service or repeated communication between the child and the Credit Union is necessary, parental/guardian consent will be sought.  If consent is not received, all paper and electronic information related to the child will be destroyed.    Under no circumstances will personal information collected from children under the age of 13 be shared with non-affiliated third parties. 

With proper identification, parents/guardians may review personal information collected about their child under the age of 13.  The parent/guardian may request that information collected about their child under the age of 13 be deleted from Credit Union records.  Please contact us at callcenter@mwafcu.org or call our telephone call center at 260-482-3334 or toll free at 1-800-348-4738 to make this request.