Information That We Collect and Disclose to Others

We collect information about you from the following sources:

• Applications and other forms you submit to us.
  
• Information about your transactions with others.
  
• Information obtained when verifying the information you provide on an application or other form(s) (this may be obtained from your current or past employers, or from other institutions where you conduct your financial transactions.

• Information we receive from you on applications or other forms such as your name, address, social security number, assets and income.
  
• Information about your transactions with us and others, such as your account balance, payment history, and credit card usage.
  
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
  

Parties to Whom We Disclose the Information:

• Financial service providers such as those that provide mortgage services, credit card services and insurance companies.
  
• Non-financial companies such as a newsletter mail house.
  
• Others, such as non-profit organizations as permitted by law.
  

We may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under 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.

Disclosure of Information About Former Members

If you decide to terminate your membership with us or become an inactive member, we will not share information we have collected about you, except as may be permitted or required by law.

Fair Credit Reporting Act Disclosure

Leaders Credit Union is permitted by law to share any information about your transactions or experiences with us. Information taken from credit reports may also be exchanged.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.