Truth in Savings Disclosure
Loanliner Credit Agreement & Insurance Certificate
Travel Accident Insurance
Credit Card Disclosure
Electronic Funds Transfer Agreement
Schedule of Fees and Charges
Text Banking Disclosure
Online Mobile Banking/Bill Payment Use Agreement
Funds Availability
Visa Application Disclosure

Visa Disclosure

This information is subject to change. Use of Card – You agree not to make or permit to be made any illegal transactions on your Account through use of a Card, a check or in any other manner. We may deny authorization for any Internet gambling transaction. Effective April 4, 2000, VISA will change the $50.00 consumer liability rule to $0 and eliminate the 48-hour time frame to report lost/stolen cards. The new liability policy applies to all consumer card use, including transactions performed on the Internet. This rule only applies to all VISA card products including credit, debit and Interlink transactions that occur on the VISA system. Please contact the Credit Union at (989)-340-6965 for any changes to this information.

Privacy Statement


Security Statement

Our Credit Union is constantly concerned about our member′s critical information and privacy. With this in mind, we have the following security services installed on our Internet server:

  • Each server is behind a Firewall. This hardware product blocks critical ports and IP addresses on servers from external attack and access.
  • Each server runs software that constantly monitors the servers for unauthorized use and attempts to “hack” into information. Administrators are contacted when forced attacks are committed, and countermeasures can be applied to stop these instances.
  • All administrative activity requires user login and authentication. All administrative updates are logged into files that can be reviewed later.

US Patriot Act (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.