Privacy Policy and Information

Your privacy is Important to us and we are committed to protecting your privacy and safeguarding your personal and financial information. While the Internet is revolutionizing where, when and how we do business, it also bring with it legitimate concerns about Privacy and Security.

This Privacy Statement describes how your personal information is collected, used and disclosed within our CU@HOME Internet banking site.

Controlled Access to your Information

To ensure that you are the only person accessing your personal information, we restrict access to the CU@HOME site by requiring that you enter your member ID and PAC to login. Only you know your PAC. Our employees do not have access to your PAC, and they will not ask you to reveal it. If someone does ask you to provide your PAC to them, we ask that you refuse to do so and contact us immediately.

Transactional Services

CU@HOME has many transactional functions such as transfers between accounts and bill payment functions. These transactions are all logged to ensure that your accounts are debited or credited appropriately, and a history of each transaction is available to verify your account. We store and use your transactional information in the same fashion as if you performed the transaction at a branch or any other service channel.
We may also use transactional information for servicing your account, for example, billing you for the particular transactions that you perform, or for the services that you use.

Creating a Secure Channel

To create a secure channel between your browser and our server, we use 128-bit Secure Socket Layer (SSL) encryption, the highest level available. For more information on this topic, see our security section (SECURITY link on the top).

Memorized Accounts Feature

We use a persistent cookie to store information to help you personalize the CU@HOME site and to make it easier to use. For example, we allow you to make the CU@HOME login easier by remembering your member ID and branch within our Memorized Accounts feature. Since the Memorized Accounts feature is optional, this cookie only contains information that you have entered into it.

Logout Button

To ensure that someone cannot access your personal information, always exit the CU@HOME site using the logout button located at the top of every page. When you exit using the logout button, we delete your session cookie so that your session cannot be resumed unless your member ID and PAC are re-entered.

Enhanced Security Feature

If you choose the Enhanced Security feature you get even greater control over your privacy. This feature prevents your browser from caching (storing in the computer's memory) pages that you have viewed. Should you click on the Back button to view a previous page during a session, the page will be recalled directly from our server. Therefore, when you logout, no one will be able to view your information by clicking on the back button, or by viewing the browser's history.

Use this function if you are accessing your accounts from a publicly available computer such as in a library or airport. You may also want to consider using the feature if you are using a computer at work, or a friend's computer.

Automatic Session Time-outs

In the event that you leave your computer without logging out or if we detect no activity in a period time, CU@HOME will end your session automatically. To restart the session, you will need to provide your PAC again.


We strongly recommend that you use our Contact Us feature. This feature provides a secure channel for sending us comments, questions or instructions. Our replies will then be securely routed back to you and will be filed under the Messages section within the CU@HOME site.

General email is not secure since it passes through many points on its route from you to us. If you are using general email to communicate with us, please do not include personal financial information as we cannot guarantee its confidentiality en route to us.
When you email us your comments, questions or instructions, you provide us your email address and we use it to correspond with you.

We will not provide your email address to anyone outside of the credit union. We may use your email address to send you information about financial products or services that we think may be of interest to you. If you do not want us to contact you with product information by email, you may tell us so at any time and we will discontinue the practice.

Service Partners

We often use external service partners and suppliers to assist us in delivering Internet banking service. We ensure through our contracts with these partners that they handle your information with the same standard of care that you have come to expect from us. Our suppliers, like our employees, are bound to maintain your confidentiality and may not use the information for unauthorized purposes.

Some of our partners require that you first register with their service to permit us to tie their functionality into the CU@HOME site. Registration for these external services is at your discretion. We may append personally identifiable data to this registration for the partner to use to compare and validate the registration. You will always be notified of such an action during the registration process.

Links to Other Sites

The CU@HOME site may also contain links to other websites or Internet resources. As an example, from time-to-time we may provide links to Microsoft or Netscape to assist you in upgrading your Internet browser. We are not responsible or liable for, or control over these other websites or Internet resources or their collection, use and disclosure of your personal information. Always review the Privacy Statements of the sites that you are viewing.

Contact Us

We welcome any questions or concerns. Please contact us for more information.