Privacy Statement

A Private Note to Our Members:

Calcite Credit Union is owned by its members and run by a Board of Directors elected by the membership. You can be confident that your financial privacy is a top priority of this credit union.

Information We Collect

We collect nonpublic personal information from many sources, including member applications and other applications for products and services, from those who do business with us or with our vendors, and from consumer reporting agencies. Calcite Credit Union will collect only the personal information that is necessary to conduct our business.

We use “cookies” as part of our website interface to identify your computer, measure usage of the website, and customize your website experience. Cookies are necessary for the basic functionality of the website. They are used to track site and application progress to ensure all site users are able to access pages or finish applications on our site without errors or disruptions. We use that data to see what pages or applications we need to revise to make user experiences on your website optimal. We also use advertising cookies to track what marketing and advertising campaigns are driving users to apply for loans, open accounts, and utilize products and services. A user cannot opt-out of cookies, but remember we only use user data to conduct necessary business.

Information We Disclose

We do not disclose or sell information to non-affiliated businesses or third parties desiring access to our member information. We may disclose the information we collect 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.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you with our affiliates, complete your transactions, and provide you with certain financial opportunities. We have also entered into agreements with other companies that provide either services to us or additional financial products for you to consider. Under these agreements, we may disclose the information we collect to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect your privacy, we require these companies to agree to maintain strong confidentiality protections and we prohibit their use of this information other than to carry out the purposes for which it is disclosed.

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

Steps We Take To Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees, members of the Board of Directors and Committee Members shall maintain confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and industry practices to safeguard your nonpublic personal information.

Protecting Children’s Privacy Online

The Children’s Online Privacy Protection Act (COPPA) was passed by Congress in October 1998, with a requirement that the Federal Trade Commission (FTC) issue and enforce rules concerning children’s online privacy. The primary goal of the Act and the Rule is to place parents in control over what information is collected from their children online. Calcite Credit Union does not knowingly collect, nor is our web site designed or directed to use personal information from children under the age of 13 without containing verifiable consent from their parents.

Linking to Other Web Sites

Calcite Credit Union is not responsible for the content of any third-party Web site or the privacy practices of such third parties. In addition, a link from our Web site to another Web site does not indicate that CCU endorses the services or policies of such third party Web site. You should always investigate the information practices of all Web sites that you access and carefully examine the privacy policies, if any, of the Web sites appearing on or linking to or from our Web site. Information collected from the linked Web sites will be subject to the information practices of those Web sites.

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.

Error Resolution

Error resolutions, questions and/or complaints may be directed to 1-877-CALCITE or mailed to:

Calcite Credit Union, 478 N. Third St., Rogers City, MI   49779

Unauthorized access or use of this website is not permitted and may constitute a crime punishable by law.