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Privacy Policy

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Your privacy means everything to us.

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit score

When you are no longer our member, we continue to share your information as described in this notice.

How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons St. Francis X FCU chooses to share; and whether you can limit this sharing.
Privacy Policy Sharing Reasons
Reasons we can share your personal information Does St. Francis FCU share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes—
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes—
information about your transactions and experiences
No N/A
For our affiliates’ everyday business purposes—
information about your creditworthiness
No N/A
For non-affiliates to market to you No N/A
Who we are
Who is providing this notice? St. Francis X Federal Credit Union.
Privacy Policy What we do
What we do
How does SFXFCU protect my personal information? To protect your personal information from unauthorized access and use, we use security measure that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does SFXFCU collect my personal information? We collect your personal information, for example, when you:
Open an account or deposit money.
Pay your bills or apply for a loan.
Use your credit or debit card.

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only:
Sharing of affiliates’ everyday business purposes—information about your creditworthiness.
Affiliates from using your information to market to you.
Sharing for non-affiliates to market you.

State laws and individual companies may give you additional rights to limit sharing.

Privacy Policy Definitions
Affiliates Companies related by common ownership or control.
Saint Francis X Federal Credit Union does not share with our affiliates.
Non-Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
Saint Francis X Federal Credit Union does not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between non-affiliated companies that together market financial products or services to you.
Our joint marketing partners include credit card companies and insurance companies.

If you're ready to get started you can become a member online right now. Or feel free to stop by any convenient branch or give us a call at 231.348.7690, or toll-free at 866.890.3670.