Privacy Policy

Rev 03/23

FACTS WHAT DOES NORTH COAST CREDIT UNION 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 income
    • Account balances and transaction history
    • Credit history and credit scores

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 North Coast Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does North Coast Credit Union 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
For nonaffiliates to market to you No We don't share

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Who we are
Who is providing this notice? North Coast Credit Union
What we do
How does North Coast Credit Union protect my personal 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 North Coast Credit Union collect my personal information? We collect your personal information, for example, when you
    • open an account or apply for a loan
    • pay your bills or deposit money
    • user your debit card

We also collect your personal information from 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 nonaffiliates to market to you
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • We have no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • North Coast Credit Union does not share with nonaffiliates so they can market to you, except for our joint marketing arrangements.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include financial services and insurance companies

Questions? Call toll free 800-696-8830, go to www.northcoastcu.com, or write to us at: North Coast Credit Union, 1100 Dupont Street, Bellingham, WA 98225