Disclosures, Privacy Policy and Fees


Disclosures, Privacy Policy and Fees



Consumer Privacy Policy

What does Houston Metropolitan 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 nad 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:

    • Social Security number and income
    • Account balance and Payment History
    • Credit History and Credit Scores

  • How?

    All financial companies need to share members 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 H.M.F.C.U. chooses to share; and whether you can limit this sharing.


Reasons we can share your personal informationDoes H.M.F.C.U. 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 bureausYESNO
For our marketing purposes — to offer our products and services to youYESNO
For joint marketing with other financial companiesNOWe don't share
For our affiliates’ everyday business purposes — Information about your transactions and experiencesYESNO
For our affiliates’ everyday business purposes — Information about your creditworthinessYESYES
For our affiliates to market to youYESYES
For nonaffiliates to market to youYESYES

To limit our sharing

  • Call 713-699-0795 – our menu will prompt you through your choice(s)
  • Visit us online: https://www.hmefcu.org
  • Mail the form below

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

E-Mail-In Form


  • Share Options
  • Name * Required
  • Address * Required
  • info is correct * Required
  • This field is for validation purposes and should be left unchanged.

What we do

Who is providing this notice? — Houston Metropolitan Federal Credit Union

Who we are

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.

We collect your personal information, for example, when you:

  • Open an account or Deposit money
  • Pay your bills or Apply for a loan
  • Use your credit card or debit card
Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • CU Companies of Texas/Member Home Loan (mortgage services) and Credit Union Alliance Cop. (auto lending/sales)
Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Insurance companies, consumer report agencies, data processors, check printers, finanical statement publishers, plastic card processors, bill payment processors & government agencies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • We do not share