Thank you for your patience the past few weeks as short staffing has caused us to make changes to our lobby hours. And this week, half of the staff we have is off due to health issues. We apologize for the inconvenience, and are taking steps to hire qualified candidates to resume the level of service members deserve and have been accustomed to. The country's labor market makes this difficult as we are sure all of you are experiencing other small, and large businesses in similar situations. We assure you the credit union is safe, sound, and financially solid. There is no truth to comments on social media and from folks spreading rumors of the CU being insolvent or going "under". Quite the opposite as we prepare for some exciting strategic plans for 2023 and beyond. The auditors and examiners recently completed our 12-31-22 audit and exam, and reported solid results for our credit union. Feel free to contact me if you have further questions. Again, thank you for your patience.
Sandy Hollenberg, CEO.
Current Lobby Hours are M-F 10am through 4pm.
YS FCU Resources

Privacy

Home > Disclosures > Privacy

Privacy Notice

YS Federal Credit Union is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice describing our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If after reading this notice you have questions, please contact us:

or write to:

YS Federal Credit Union
217 Xenia Avenue
Yellow Springs, OH 45387

 

Information We Collect About You

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications and other forms
     
  • Information about your transactions with us
     
  • Information we receive from a consumer reporting agency
     
  • Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us

We may disclose nonpublic personal information about you to the following types of third parties:

  • Financial service providers, such as mortgage service companies.
     
  • Non-financial companies, such as consumer reporting agencies, check/share draft printers, financial statement publishers/printers, plastic card processors, and government agencies.

Disclosure of Information to Parties That Provide Services to Us

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize.

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.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members

If you terminate your membership with YS Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

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, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We will never ask for any personal credit card or financial information via e-mail. We do not share our internal e-mail lists with anyone, and have security in place to ensure that our internal databases are not being accessed.

What Members Can Do to Help

YS Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

  • Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
     
  • Use caution when disclosing your account numbers, Social Security numbers, etc. to other persons. If someone calls you explaining 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. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.