Annual Privacy Policy
To read SAFE's Privacy Notice, click here - Privacy Notice.
Privacy Policy
SAFE Federal Credit Union does not collect personal information about you such as; your name, telephone number, email address, unless you voluntarily submit this information to us by email or other means. SAFE Federal Credit Union treats all personal information submitted through our Website as confidential, and does not sell or disclose such information to any third parties.
When you visit our Website, SAFE Federal Credit Union automatically collects non-identifying information such as; type of browser, IP address, computer operating system, domain name of Website, which you linked to us. SAFE Federal Credit Union may store information on your hard drive as a "cookie", or similar type of file, which we may use internally to help us enhance the efficiency and usefulness of the Website. If you object to this, please consult your Browser documentation for information on erasing or blocking "cookies".
If you use the SAFE Federal Credit Union Website to send SAFE Federal Credit Union an email, ask for information, subscribe for the newsletter, or if you provide personal information in any other way, SAFE Federal Credit Union may maintain the information you provide. Your information may be shared among SAFE Federal Credit Union support services as necessary to respond to your request. This information will be used in the same manner as though it was collected in other ways.
SAFE Federal Credit Union makes use of sound security measures to protect the personal information you submit to us once it is received.
If you have any questions pertaining to the SAFE Federal Credit Union Web Site Privacy Policy, please contact our offices.
Digital Privacy Notice
For the purposes of this notice, the terms “we,” “us,” “our,” “credit union,” and “SAFE” mean SAFE Federal Credit Union.
This Digital Privacy Notice explains how we collect, transmit, and use the information you provide to us. This Digital Privacy Notice applies to your interaction with any of our online sites, mobile sites, or applications, which we own and control (hereinafter “Digital Interface”), unless a different notice is posted on a particular Digital Interface or otherwise provided to you that supersedes this policy. If a Digital Interface is owned and/or controlled by a third party, that third party’s digital privacy policy will govern, unless otherwise stated. Other privacy policies may also apply in addition to this Digital Privacy Notice and does not supersede our General Privacy Policy. Please consult the Privacy Notice to understand how we handle user privacy and for details on how we may collect and share information with third parties and affiliates.
PLEASE READ THIS ENTIRE DIGITAL PRIVACY NOTICE CAREFULLY. YOUR CONTINUED USE OF ANY OF OUR DIGITAL INTERFACES IS YOUR CONSENT TO THIS DIGITAL PRIVACY NOTICE AND YOUR CONSENT TO OUR USE AND DISCLOSURE OF INFORMATION COLLECTED FROM YOU AS DESCRIBED IN THIS DIGITAL PRIVACY NOTICE. IF YOU DO NOT AGREE TO THIS DIGITAL PRIVACY NOTICE, THEN YOU SHOULD NOT USE OUR ONLINE AND MOBILE SITES OR APPLICATIONS.
What information do we collect?
We may collect any or all of the following types of information:
- Information related to data generated from your use and activity, including but not limited to transaction, location, and address (e.g. email, IP, and mailing) information.
- Technical information related to the device you are using, including but not limited to, your IP address, your operating system, your device type, and the browser you are using.
- Other information collected through cookies, tags, and other technologies, including but not limited to which product and service pages you visit, what advertisements you view or click on, contests and surveys you complete, features you request (e.g. newsletters and other products) and how long you view a particular page.
Other parties may also collect information about you when you use our Digital Interfaces:
- Our service providers may collect information about you in order to provide us with marketing and other services.
- We may provide widgets, embedded content, or other tools that are owned by third parties, including but not limited to maps, information streaming from another site, and widgets that enable you to share information on social media. The third parties that own these types of tools may have access to information about your browsing history on our Digital Interfaces. You should review information at the third parties’ sites to learn how these third parties collect and use information they collect from you.
What are cookies?
Cookies are pieces of information that are stored on your device. Browser cookies are placed by a web server and let the server know when you return to a site you have visited before. Some cookies can be cleared via your web browser. Others may be placed in an Adobe folder on your device; refer to Adobe for information on how to manage these types of cookies. Cookies can be used for various purposes, including but not limited to collecting information about your web browsing, maintaining continuity during an online session, gathering data about how you use our Digital Interfaces (including interest based advertising), and for anti-fraud and information security purposes.
Can I disable cookies?
Your browser may allow you to manage cookies, including rejecting them altogether. Refer to your browser provider for more information on managing cookies. Please note that disabling cookies may limit the functionality we can provide you through our Digital Interfaces. Location data can be collected or monitored on a continuous basis when the SAFE Federal Credit Union application is closed or not in use, in the background only while the Solutions is being used, or not at all, depending on your selection. You can change your location permissions at any time in your device settings.
What other technologies may be used to collect information?
Additional technologies used to collect information may include, but are not limited to, pixel tags, web beacons, clear GIFs, and Flash objects.
How do we use the information we collect?
Our use of the information we collect from you may include, but is not limited to, the following:
- Enabling features that prevent fraudulent card use and send alerts.
- Enhancing your experience with our Digital Interfaces, such as by making them more personalized based on the products or services you view and interact with.
- Measuring the effectiveness of our various advertisements and promotions.
- Determining how often a particular product or service is viewed or used.
- Determining which of our products and services are most likely to appeal to you, so we can provide you with related advertisements or other offers.
- Other purposes, including but not limited to tracking website usage and risk control purposes.
How do we use Analytics?
We use Google Analytics to better understand how visitors interact with our websites. This service provides non-personally identifiable data including but not limited to data on where visitors came from and what actions they took on the websites. We use this information to improve your experience. Please click here to learn more about this service and how to opt out of data collection by Google Analytics.
Do you collect information from children?
Our Digital Interfaces are not intended for or directed to individuals under the age of thirteen (13) years old. We do not intend to or knowingly collect information from individuals under the age of thirteen (13) years old, and we request that such individuals do not provide personal information through our Digital Interfaces. Please visit the FTC website, www.ftc.gov, for more information about the Children’s Online Privacy Protection Act (COPPA).
Can I opt out of receiving ads based upon information you collect?
You may opt out of receiving such ads by calling our Member Service Center at 1.800.763.8600 or 1.803.469.8600. You may also contact us online here.
Will you update me on changes?
SAFE may update this notice at any time. We will notify you of any material changes to our Digital Privacy Notice by posting any updated notices on this page.
 | Privacy Notice |
FACTS | WHAT DOES SAFE FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? |
Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice |
How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons SAFE Federal Credit Union chooses to share; and whether you can limit this sharing. |
Reasons we can share your personal information | Does SAFE Federal Credit Union share? | Can you limit this sharing? |
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | YES | NO |
For our marketing purposes— to offer our products and services to you | YES | YES |
For joint marketing with other financial companies | YES | YES |
For our affiliates’ everyday business purposes— information about your transactions and experiences | NO | NO |
For our affiliates’ everyday business purposes— information about your creditworthiness | NO | NO |
For our affiliates to market to you | YES | YES |
For nonaffiliates to market to you | NO | NO |
To limit our sharing |
Please note: If you are a new member, we can begin sharing your information thirty (30) days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
Questions? | Call 800.763.8600 or 1.803.469.8600 go to https://www.safefed.org. |
What we do | |
How does SAFE Federal Credit Union protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. SAFE Federal Credit Union regularly tests and accesses its information security measures, systematically trains employees, and adopts upgrades and enhancements as necessary to protect your information. |
How does SAFE Federal Credit Union collect my personal information? | We collect your personal information, for example, when you:
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
Why can’t I limit all sharing? | Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing. |
What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
Definitions | |
Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
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Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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Joint Marketing | Formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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Text (SMS) Messaging
To read SAFE's Text (SMS) Messaging Terms and Conditions, Click Here.
Online Security
We also want to provide the utmost security while you are visiting safefed.org. We have purchased the best in internet privacy protection through a security certificate from Symantec. This secure sockets layer (SSL Certificate) is just one layer of protection of your private data on this site. Several of the links on this site will redirect you away from safefed.org and you will no longer be under our security. However, these links will notify you of that change so that you are fully aware. We cannot guarantee the privacy of your data on any site other than our own, so we recommend that you request other companies' security information before you share any data with them. However, these other web sites are preferred vendors of SAFE Federal Credit Union and their services are provided to assist you with your financial well-being.
Deposit Rate Schedule:
- To learn more about Rates associated with your SAFE Deposit Accounts, click here - Deposit Rate Schedule
- To see terms and conditions related to SAFE's Special Rate Certificates, click here- 9-month Special Rate Certificate.
Fee Schedule
- To learn more about Fees associated with your SAFE Accounts, click here - Fee Schedule
SAFE may classify your account inactive or dormant if you do not complete at least one (1) annual transaction. If this happens, you will incur a monthly $5.00 service fee.
Member Inspection of Credit Union Books, Records, and Minutes
Member inspection rights: A group of members of a federal credit union has the right, upon submission of a petition to the credit union as described in paragraph (b) of this section, to inspect and copy nonconfidential portions of the credit union's:
- Accounting books and records; and
- Minutes of the proceedings of the credit union's members, board of directors, and committees of directors.
Petition for inspection: The petition must describe the particular records to be inspected and state a proper purpose for the inspection, that is, a purpose related to the protection of the members' financial interests in the credit union. The petition must state that the petitioners as a whole, or certain named petitioners, agree to pay the direct and reasonable costs associated with search and duplication of requested material. The petition must also state that the inspection is not desired for any purpose other than the stated purpose; that the members signing the petition will not sell or offer for sale any information obtained from the credit union; and that the members signing the petition have not within five years preceding the signature date sold or offered for sale any information acquired from the credit union or aided or abetted any person in procuring any information from the credit union for purposes of sale. The petition must name one member, and one alternate member, who will represent the petitioners on issues such as inspection procedures, costs, and potential disputes. At least one percent of the credit union's members, with a minimum of 20 members and a maximum of 500 members, must sign the petition. Each member who signs the petition must have been a member of the credit union for at least 180 days at the time the petitioners submit the petition to the credit union. Contact the Executive Assistant for details in submitting inspection request. Inspection procedures will be relayed to member submitting requests in addition to other information that may pertain to the petition.
Protecting Children’s Privacy Online
The Children’s Online Privacy Protection Act (COPPA) restricts the collection, use, or disclosure of Personal Information from and about children under the age of 13 on the internet. In compliance with COPPA, SAFE Federal Credit Union is committed to protecting the online privacy of the children who visit our website. Our website and online services are not directed to children under the age of 13, nor is information knowingly collected from children under the age of 13. Should SAFE Federal Credit Union receive information (name, address, email, account number, telephone, social security number) from a child known to be under 13, the information will only be used to respond directly to the child, seek parental consent or provide parental notice. SAFE Federal Credit Union is not responsible for the data collection and use practices of non-affiliated third parties.
To learn more about COPPA, please visit the National Credit Union Administration Regulatory Alert or the Federal Trade Commission’s website.
*Physical paper copies of all SAFE Federal Credit Union disclosures can be requested by contacting our Member Service Center at 1-800-763-8600.