Effective Date: September 1, 2026
Credit Union Privacy Policy
Ed-Med Federal Credit Union is owned by its members and governed by a board of directors elected by its membership. We value the trust our members place in us and consider the privacy and security of your personal financial information a top priority.
Federal law requires us to provide this notice explaining how we collect, use, and protect information about you. If you have questions about our privacy practices, please contact Ed-Med Federal Credit Union at (315) 393-2873.
We are committed to providing competitive financial products and services to meet the needs of our members. To provide these products and services and complete transactions on your behalf, we may work with other companies that provide services to the credit union or offer additional financial products and services.
Under agreements with these companies, we may disclose some or all of the information we collect about you as permitted by law. Companies with which we have contractual relationships are required to maintain appropriate confidentiality protections and limit their use of the information we provide. We do not permit these companies to sell the information we provide to them to other third parties.
Information We Collect and Disclose About You
We collect nonpublic personal information about you from a variety of sources, including:
- Membership, loan applications and other forms: We may collect information such as your name, address, telephone number and other information you provide to us.
- Transactions with us: We may obtain information such as account balances, payment history, transaction history and other information relating to your use of our financial products and services.
- Consumer reporting agencies: We may obtain information such as your credit history and creditworthiness.
- Verification of information: We may obtain information from current or former employers, other financial institutions and other sources when verifying information provided on applications and other forms.
We may also disclose information about you as permitted or required by law. These disclosures may include information necessary to process transactions on your behalf, conduct the normal operations of the credit union, follow your instructions or requests, comply with legal requirements, or protect the security and integrity of our financial records and systems.
If you terminate your membership or become an inactive member, we will continue to follow the privacy policies and practices described in this notice with respect to your nonpublic personal information.
How We Protect Your Information
We restrict access to nonpublic personal information about you to employees and officers who have a legitimate business need to use that information.
Our employees and officers are expected to maintain the confidentiality of member information and are trained on the importance of protecting member privacy.
We maintain physical, electronic and procedural safeguards designed to protect your nonpublic personal information from unauthorized access or use. These safeguards are maintained in accordance with applicable federal regulations and generally accepted practices within the financial services industry.
Website Privacy Notice
Cookie Policy
What Are Cookies?
This website may use cookies and similar technologies to improve your experience, provide website functionality, and help us understand how our website is used. Cookies are small files or pieces of information that may be stored on your computer or other device when you visit a website.
Some cookies may remain on your device until you or your browser deletes them, while others are automatically removed when you close your browser.
Third-party service providers and vendors that support our website may also use cookies or similar technologies in connection with the services they provide.
How We Use Cookies
We may use cookies and similar technologies for purposes including:
- Providing and improving the functionality and user experience of our website.
- Recognizing returning visitors and maintaining website functionality.
- Monitoring and analyzing website performance and usage.
- Helping maintain the security and integrity of our website and services.
Disabling Cookies
You can adjust your browser settings to prevent or limit the use of cookies. Please refer to your browser’s help or settings menu for instructions.
Please be aware that disabling cookies may affect the functionality or availability of certain features on this website.
Privacy Policy Updates
Ed-Med Federal Credit Union reserves the right to modify this privacy policy from time to time. We encourage you to review this policy periodically for any changes.
Any changes or clarifications will become effective when posted on this website, unless otherwise required by law. If we make material changes to our privacy practices, we will provide notice as required by applicable law.
If you have questions or concerns regarding this privacy policy or our privacy practices, please contact us:
Ed-Med Federal Credit Union
601 Ford Street
Ogdensburg, NY 13669
(315) 393-2873
info@edmedfcu.com
