CREDIT UNION MEMBERSHIP
When you join Cherokee County Federal Credit Union, you become more than a member; you are a Partner.  As a member, you actually own a "share" in the credit union and can vote for the volunteer Board of Directors that oversees our operations.

Field of Membership
Membership allows you and your family to take advantage of the many services that Cherokee County Federal Credit Union offers. 

Eligibility Requirements
Anyone who lives, works, worships or attends school in CHEROKEE COUNTY is eligible to open an account.  This includes Immediate family members of those eligible to join also.

How to Join
You can become a member of  Cherokee County Federal Credit Union by opening and depositing a minimum of $25.00 into a share savings account.  This is a one-time membership fee and is the minimum balance that you must maintain in your account while it is open.  Once your share account is open, you will be eligible for all other credit union services.

Benefits

Unlike banks, we are by law a non-profit institution. The income earned through our investments and loans is returned to the members in the form of low-cost loans, competitive rates on savings and a range of convenient services

• Visa Check Cards (offered on Checking Accounts only)
• ATM (offered on Checking Accounts only)
• Mastercard
• High-Yield Savings & Checking accounts
• Low-Cost Loans
• Internet Teller (Online banking)

CHEROKEE COUNTY FEDERAL CREDIT UNION

PRIVACY POLICY

POLICY STATEMENT

CHEROKEE  COUNTY 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 PRIORITY FOR OUR CREDIT UNION.  WE WILL CONTINUE TO PROTECT YOUR PRIVACY.

AS A MEMBER OF CHEROKEE  COUNTY FEDERAL CREDIT UNION, YOU ALSO HAVE A RESPONSIBILITY TO SAFEGUARD YOUR FINANCIAL INFORMATION.

TO ENSURE THAT YOU CAN RELY ON THE QUALITY OF PRODUCTS AND SERVICES WE MAKE AVAILABLE, OUR CREDIT UNION STANDS BEHIND THE FOLLOWING POLICY.

1.  OUR CREDIT UNION WILL ONLY COLLECT THE PERSONAL INFORMATION THAT IS NECESSARY TO CONDUCT BUSINESS.  THAT MEANS JUST WHAT IS NECESSARY TO PROVIDE COMPETITIVE FINANCIAL PRODUCTS AND SERVICES AND NO MORE.

A: TYPES OF INFORMATION THAT WE COLLECT:

IDENTIFYING INFORMATION: NAME, ADDRESS, SOCIAL SECURITY NUMBER, INFORMATION FROM CONSUMER REPORTS SUCH AS CONSUMER'S CREDITWORTHINESS AND CREDIT HISTORY.

TRANSACTION INFORMATION: ACCOUNT BALANCE, PAYMENT HISTORY, PARTIES TO THE TRANSACTION, CREDIT CARD USAGE.

2.  OUR CREDIT UNION WILL PROTECT PERSONAL INFORMATION.  OUR CREDIT UNION WILL MAINTAIN STRONG SECURITY CONTROLS TO ENSURE THAT MEMBER INFORMATION IN OUR FILES AND COMPUTER IS PROTECTED.  WHERE APPROPRIATE, WE USE SECURITY TECHNIQUES TO PROTECT AGAINST UNAUTHORIZED  ACCESS TO PERSONAL RECORDS, ENSURE ACCURACY AND INTEGRITY OF COMMUNICATIONS AND TRANSACTIONS, AND PROTECT MEMBER CONFIDENTIALITY.

3.  MEMBERS WILL HAVE ACCESS TO THEIR FINANCIAL INFORMATION.  OUR MEMBERS WILL HAVE THE OPPORTUNITY TO REVIEW THEIR INFORMATION AND MAKE NECESSARY CHANGES TO ENSURE THAT OUR RECORDS ARE COMPLETE AND ACCURATE.

4.  OUR CREDIT UNION WILL ONLY SHARE INFORMATION WHEN ABSOLUTELY NECESSARY.  WE WILL ONLY SHARE INFORMATION TO ADMINISTER THE PRODUCTS AND SERVICES WE PROVIDE, WHEN REQUIRED TO DO SO BY GOVERNMENT, OR WHEN WE PARTNER WITH OTHER BUSINESS TO OFFER A BROADER ARRAY OF PRODUCTS AND SERVICES.

5. OUR CREDIT UNION WILL PARTNER ONLY WITH BUSINESS THAT FOLLOW STRICT CONFIDENTIALITY REQUIREMENTS.  THE BUSINESS WE SELECT WILL OFFER PRODUCTS DESIGNED TO ENHANCE MEMBERS' ECONOMIC WELL-BEING.  UNDER NO CIRCUMSTANCES WILL WE AUTHORIZE THESE FIRMS TO CHARGE THE MEMBER'S ACCOUNT WITHOUT THE MEMBER'S CONSENT, AND WE WILL NOT SELL MEMBER INFORMATION WITH TELEMARKETING FIRMS.

6. ANY CONTRACT BETWEEN THE CREDIT UNION AND A THIRD PARTY SHOULD CONTAIN LANGUAGE THAT STATES A CONFIDENTIALITY CLAUSE THAT HAS THE CONTRACTING PARTIES ACKNOWLEDGE THAT NONPUBLIC PERSONAL INFORMATION ABOUT MEMBERS IS BEING EXCHANGED, THAT EACH PARTY WILL SAFEGUARD THE CONFIDENTIALITY OF THE INFORMATION, AND THAT EACH PARTY AGREES NOT TO SELL TRANSFER OR DISCLOSE NONPUBLIC PERSONAL INFORMATION RECEIVED FROM THE OTHER EXCEPT AS PERMITTED BY THE LAW AND REGULATIONS.

WHAT YOU CAN DO TO HELP PROTECT YOUR PRIVACY

• PROTECT YOUR ACCOUNT NUMBERS AND CARD NUMBERS.
• USE CAUTION WHEN DISCLOSING YOUR ACCOUNT NUMBERS, SOCIAL SECURITY NUMBERS, ETC. TO OTHER PERSONS.  IF SOMEONE CALLS YOU, EXPLAIN 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.  IT IS IMPORTANT THAT WE HAVE CURRENT INFORMATION ON HOW TO REACH YOU.  IF WE DETECT POTENTIALLY FRAUDULENT OR UNAUTHORIZED ACTIVITY OF US ON AN ACCOUNT, WE WILL ATTEMPT TO CONTACT YOU IMMEDIATELY.  IF YOUR ADDRESS OR PHONE NUMBER CHANGES, PLEASE LET US KNOW.

USA PATRIOT ACT IDENTIFICATION NOTICE

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

TO HELP THE GOVERNMENT FIGHT THE FUNDING OF TERRORISM AND MONEY LAUNDERING ACTIVITIES, FEDERAL LAW REQUIRES ALL FINANCIAL INSTITUTIONS TO OBTAIN, VERIFY, AND RECORD INFORMATION THAT IDENTIFIES EACH PERSON WHO OPENS AN ACCOUNT.

WHAT THIS MEANS FOR YOU:

• WHEN YOU OPEN AN ACCOUNT, WE WILL ASK FOR YOUR NAME, ADDRESS, DATE OF BIRTH, AND OTHER INFORMATION THAT WILL ALLOW US TO IDENTIFY YOU.
• WE MAY ALSO ASK TO SEE YOUR DRIVER'S LICENSE OR OTHER IDENTIFYING DOCUMENTS.

WE THANK YOU FOR UNDERSTANDING AND FOR JOINING US IN SECURING A SAFER TOMORROW.