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Privacy Policy



Rev. Date 2/21

What Does Memphis City Employees Credit Union (MCECU) Do With Your Personal Information?
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 credit history
  • Credit scores and employment information
  • Payment history and transaction or loss history
When you are no longer our customer, 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 Memphis City Employees Credit Union chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does MCECU 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 We Don't Share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We Don't Share
For our affiliates to market to you No We Don't Share
Questions? Call 901-321-1200 or toll-free 1-877-825-3180
What We Do
How does MCECU protect my information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does MCECU collect my information? We collect your personal information, for example, when you
  • Open an account or show your government-issued ID
  • Provide employment information or give us your contact information
  • Show your driver's license
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 for affiliates’ everyday business purposes –information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
  • Memphis City Employees Credit Union has no affiliates.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Memphis City Employees Credit Union does not share with non-affiliates so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you. 
  • Our joint marketing partners include credit card companies, loan recapture programs, financial advisors, and Insurance companies.



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