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MSUFCU | Disclosures | Home Loans

Mortgage & Home Loan Disclosures

Privacy Policy

FACTS

WHAT DOES MICHIGAN STATE UNIVERSITY 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 products or service you have with us. This information can include:

  • Social Security Number and income
  • account balances 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 Michigan State University Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does MSUFCU share?
Can you limit this sharing?

For our everyday business purposes-
such as to process your transaction, maintain your accounts(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
We don't share

For our affiliates' everyday business purposes-
information about your creditworthiness

NO
We don't share

For nonaffiliates to market to you

NO
We don't share

To limit our sharing

  • Call 517-333-2424 or 800-678-4968 - a member service representative will assist you in your opt-out preference.
     
  • Visit us online: www.msufcu.org, log into your account via ComputerLine, select the Messages at the top of your screen and leave a secure message.

     

Please note:
If you are a new member, we can begin sharing your information 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 anytime to limit our sharing.

Questions Call 517-333-2424 or 800-678-4968 or go to www.msufcu.org
Who we are
Who is providing this notice? Michigan State University Federal Credit Union
What we do
How does Michigan State University Federal Credit Union collect my personal information?

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 or debit card

    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

  • sharing for affiliates' everyday business purposes- information about your credit worthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
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.

  • MSUFCU has no affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • MSUFCU does not share with nonaffiliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include insurance companies.


Online Privacy
Our privacy policy is the same whether you are online or not. At our website, www.msufcu.org, you may apply for membership, accounts, loans and services. You may also communicate with us via the secure Contact Us form. To protect information you provide us online, we use multiple levels of security. All applications, forms and ComputerLine transactions are submitted to us securely using the industry standard "Secure Socket Layer" (SSL) encryption to secure your submission. MSUFCU uses 128-bit encryption and we use firewalls to secure your information. A firewall is a security measure that insulates the credit union's computer network from the World Wide Web. We analyze the traffic coming in and out of the firewall, which could indicate intrusion activity and computer viruses. MSUFCU contracts with a third-party technology specialist to try to penetrate our network and evaluate the security of our online applications and ComputerLine. MSUFCU has successfully passed each evaluation and is annually certified as a secure site. To read more about online security requirements click here.

 

Our Use of Cookies
If you conduct transactions with MSUFCU via ComputerLine, you may notice our use of Internet cookies. Cookies are a small text file assigned and attached by a web server to the directory file on your computer. Cookies enable our systems to recognize your browser and your information as you navigate and conduct transactions within ComputerLine. If we did not use cookies within ComputerLine, you would need to enter your account number and password each time you wanted to see another page or each transaction you initiate. ComputerLine uses temporary session cookies that are stored on your Computer only during your current session and are automatically deleted from your computer when you close your browser. No information is collected from your computer.


Children's Online Privacy Protection Act (COPPA)
MSUFCU 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. We do offer three children's programs on our web site: Sweet Pea for children ages 0-4, Dollar Dog Kids Club for children ages 5-12, and the Cha-ching program for teens age 13-17. Unless applying for MSUFCU membership, no information is collected from children to participate in the online activities and information found in these areas of our website.


Sweet Pea: Contains an online membership application that is designed to be submitted by a parent or guardian. In this membership application we ask information about the child for the purpose of establishing a Sweet Pea account for membership. Information directly collected from the submitted application includes the child's name, social security number, birth date and address. Before the application can be submitted, the parent/guardian has to agree to consent to submit this information solely for the purpose of establishing a Sweet Pea account at MSUFCU. Parents/guardians have the ability to review the personal information collected prior to submitting the application. The child's name, age, and address information will also be used to send via U.S. Postal Mail a yearly Sweet Pea account birthday card. At any time a parent/guardian may contact MSUFCU and ask that the submitted information no longer be used to contact the child. MSUFCU staff  will have access to the information collected. You may reach the credit union at 517-333-2424 or toll-free 800-678-4968 or by sending a secure message using the Contact Us form. In accordance with MSUFCU's privacy policy, at NO TIME is the child's information provided to a third party.


Dollar Dog: Contains an online membership application that is designed to be submitted by a parent or guardian. In this membership application we ask information about the child for the purpose of establishing a Dollar Dog account for membership. Information directly collected from the submitted application includes the child's name, social security number, birth date and address. Before the application can be submitted, the parent/guardian has to agree to consent to submit this information solely for the purpose of establishing a Dollar Dog account at MSUFCU. Parents/guardians have the ability to review the personal information collected prior to submitting the application. The child's name, age, and address information will also be used to send via U.S. Postal Mail a quarterly newsletter. At any time a parent/guardian may contact MSUFCU and ask that the submitted information no longer be used to contact the child. MSUFCU staff will have access to the information collected. You may reach the credit union at 517-333-2424 or toll-free 800-678-4968 or by sending a secure message using the Contact Us form. In accordance with MSUFCU's privacy policy, at NO TIME is the child's information provided to a third party.


Cha-ching: This section of our web site is designed for teens ages 13-17. A Cha-ching membership application is available to submit online to establish an MSUFCU Cha-ching membership account. Information directly collected from the submitted application includes the child's name, social security number, birth date and address. The child's name, age, and address information will also be used to send via U.S. Postal Mail a quarterly newsletter. At any time a parent/guardian may contact MSUFCU and ask that the submitted information no longer be used to contact the child. MSUFCU staff will have access to the information collected. You may reach the credit union at 517-333-2424 or toll-free 800-678-4968 or by sending a secure message using the Contact Us form. In accordance with MSUFCU's privacy policy, at NO TIME is the child's information provided to a third party.

 

REV. 07/14



The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), designed to enhance consumer protection and reduce fraud, established minimum federal regulations for individuals who write mortgage loans. The SAFE Act also created a nationwide mortgage licensing database to help consumers ensure their mortgage loans are being handled by an employee licensed under SAFE Act guidelines.

 

Mortgage loan originators employed by a federally regulated depository, such as Michigan State University Federal Credit Union, must meet the licensing standards established by the SAFE Act and be registered in the Nationwide Mortgage Licensing System (NMLS). To be eligible for registration under the SAFE Act, home loan originators are required by the federal government to attend classes related to mortgage licensing, pass federal and state tests, and complete credit and criminal background checks.

 

A list of MSUFCU employees currently licensed in the NMLSR can be found below, along with each employee’s NMLS ID. MSU Federal Credit Union’s license number is 405297.

 

For more information, visit the NMLSR Consumer Access website or feel free to contact us.

 

MSU Federal Credit Union Employees Registered with the NMLS   

NMLS IDD Last Nameme First Name  
1336616 Al-Yasari Ammar  
1143549 Aldrich Jamie  
1391535 Allen Chelsea  
1152378 Ammerman Lera  
1321643 Andrews James  
1194352 Anthony Eric  
1471712 Axel Makayla  
1204875 Balassone Kara  
1434120 Balch Chelsea  
1403747 Brooks Ashley  
1152372 Bach Brandi  
880177 Baecker-Smith Kathy  
1371222 Bailey Judy  
1059338 Baldino Michelle  
1381534 Ballard LaRisa  
455756 Bancroft Erica  
935090 Beard Jordan  
1430403 Bell Traci  
1339654 Binegar Nichole  
798298 Bock Tiffany  
1462845 Boedeker Dale  
1311399 Bond Breanna  
1229371 Bowman Jerrica  
455758 Boyd Lichiu  
798299 Boyer Stephanie  
1311551 Brink Morgan  
877792 Brooks Daniel  
455760 Broughman Abbie  
1142188 Brown Anthony  
1308076 Buck Tina  
455762 Bush Justin  
1152830 Bush Renee  
798308 Bussa Brandon  
1371223 Carlson Melissa  
1440003 Carpenter Debra  
493380 Carpenter Robert  
635834 Carr Suzanne  
1399614 Carter Lindsay  
1381540 Childs Brittany  
1336634 Chritz Tracey  
1184132 Clark Andrew  
455764 Clark Dale  
455763 Clark M'Lisa  
798300 Coe Amy  
1395073 Combs Brittany  
895895 Cox Jennifer  
1387255 Crandall Jason  
1138842 Croley Anne  
1321645 Curtis Hannah  
1321646 Curtis Megan  
1046617 Daly Heather  
608932 Dassance Abby  
1071021 Davis Gregory  
1471713 Dempski Shelly  
1046615 Deneau Danielle  
1462846 Desta Sadarie  
1371224 Dexter Brandi  
798304 Dilts Nicole  
455768 Docherty Jennifer  
455769 Dolan Sara  
500135 Douma Mary  
1038569 Drwencke Justin  
1229370 Duncanson Ian  
1285767 Dupras Sarah  
1065092 Dyer Benjamin  
798306 Edmond Sonya  
591157 Eifert Heather  
1336617 Elliott Stacy  
1152371 Elmore Samantha  
1405089 Elyaderani Ali  
1339657 Fabro Jonathan  
1403748 Feher Carrie  
1371232 Ferguson Tiffani  
1308077 Fleeks Ashley  
1450312 Forbes Matthew  
1321647 Fox Aryn  
1071020 Freels Ann  
1138841 Freund Jessica  
1308078 Fulkerson Megan  
455773 Fullerton Kimberly  
1308079 Gagliardi Laura  
1462848 Galvin Jonathan  
1445656 Garcia Gloria  
1371225 Garrett Chris  
1142165 Gauna Bethany  
1065103 Geller Cynthia  
1471714 Ghesquiere Laurie  
455775 Gilman Michelle  
1428303 Graybiel Cory  
1308080 Grecu Nicholas  
1308081 Gregg Matthew  
992958 Gross Michael  
1325674 Hailey Alexis  
1046616 Halfmann David  
1469012 Hamelin Katherine  
1403751 Harns Elizabeth  
1249201 Harrington Joseph  
1152374 Hatcher Jesse  
1403750 Hatta McKenzie  
1445659 Hernandez Esperanza  
1184126 Hewitt Maria  
1138749 Hewson Justin  
1184131 Hill Amber  
1395072 Holmes Mae  
1366699 Holmes Natasha  
1219954 Horn Allison  
1308842 Hornberger Melanie  
1221528 Hosey Laura  
1204874 Howard Jennifer  
1325672 Howard Juwan  
1381538 Huelga Sisto  
1152373 Huhn Victoria  
455776 Hunt Erin  
1308082 Hunt Trevor  
455777 Hutchings Melisa  
992957 Inman Christopher
1142164 Jackson Amanda  
1387253 Jackson Jeffrey  
1204877 James Gina  
1371227 Jeffery Jessica  
1244615 Jeffreys Stephanie  
1387254 Johnson Christopher
455779 Johnson Paula  
1308843 Kakar Kieran  
917914 Kaminskaya Irina  
1381535 Kelley Caitlin  
951256 Kendle Tyler  
1308083 Kendrix Amanda  
1445658 Kilbourn Mackenzie  
1143609 Kindel Allison  
1152368 King Rhonda  
1005985 Kissling Seth  
1433806 Klingbiel Jennifer  
1410818 Knop Katie  
455781 Knopps Kelly  
1430404 Koch Amanda  
1152369 Koch Jacqueline  
1433810 Koerner-Aymor Shanon  
455782 Kolka Jessica  
1445657 Krzisnik Mary  
1204876 LaFave Leah  
1314081 Land Hannah  
455783 Larsen Ryan  
1208287 LeBlanc Megan  
1359851 Lemon Paige  
1190440 Lemon Sara  
1275146 Lenhard Kenneth  
1308089 Leonard Mika  
455784 Liles Laura  
1152833 Lott Adam  
591498 Macaluso Denya  
1184125 Manning Ashley  
1371233 Marin Guzman Yadiel  
455786 Martin Rhodope  
1023367 Maxey Kara  
1462844 McCarrick Elainé  
455788 McClure Christopher
1025454 McClurken Sophia  
1309557 McFarland Christine  
455789 McGowan Dana  
1245477 McKee Caitlin  
1138840 McWherter Carla  
455792 Medina Vera Mario  
880179 Meissner Doreen  
455793 Mendoza Jesus  
1405090 Merindorf Chloe  
1445655 Meylan Alyssa  
1227606 Miller Ashleigh  
455795 Miller Paula  
1471715 Morales Xochilt  
455787 Moreno Rachelle  
1023365 Murphy Alison  
455820 Murray Andrea  
1472817 Nguyen Jen  
455796 Norton Stephanie  
1445653 O'Brien Andrew  
455798 O'Malley Tarissa  
1257870 Oviedo Angeline  
1219955 Palacios Ryan  
728281 Patel Samip  
1089788 Perez Jane  
805243 Pitmon Colleen  
1309559 Pittman Wendy  
1150521 Pitts Andrew  
1208286 Porter Franklin  
1184128 Pothoof Kathryn  
1142166 Potter Chelsea  
455799 Powers Jeffrey  
1308084 Rodriguez Lindsey  
538655 Roush Kyle  
1471717 Rae Kayla  
1451329 Rafferty Elizabeth  
1321648 Ramsden Erika  
1325673 Rasmussen Mary  
798303 Ring Scott  
1433807 Rininger Debra  
1321649 Robbins Deanna  
1381536 Robinson Justin  
1371231 Rodriguez Jacob  
683535 Rogers Aimee  
1204873 Roush Danielle  
1032433 Sandoval Cecilia  
1469597 Schafer Shelby  
455806 Schmitt Michelle  
1445660 Schrauben Lori  
1208822 Schueller Karen  
1381533 Schwaderer Mary  
455808 Shappee Karla  
1308085 Shaw Joshua  
1381532 Shelley Jennifer  
455809 Showerman Kelly  
1321650 Silva Alea  
1321651 Simmons Gayland  
455794 Simon Julie  
961971 Singh Sonia  
1184130 Sipkovsky Jordan  
1308086 Sipkovsky Monica  
1208824 Sliva Timothy  
1445661 Smathers Jamie  
1428301 Smith Amy  
455810 Smith Jenny  
1209924 Snover Sarah  
707383 Stevens Belinda  
1383970 Stevens Morgan  
1425879 Stevens Rebecca  
1406072 Stewart Alan  
455813 Stuart Mary  
1471716 Sykes Gerald  
1152832 Terenzi Mary  
1476557 Thelen Maria  
455815 Thomlison Kathleen  
500108 Townsend Larry  
1039502 Tribell Brian  
455816 Trumble Christopher
1152375 Turek Benjamin  
455817 Van Ess Amanda  
455818 Vanderlaan Jason  
1339655 Viele Emily  
1184127 Viglianco Danielle  
1152370 Vogt Deborah  
1184129 Waligorski Russell  
935089 Walker Carrie  
455819 Wallas Diane  
902933 Walters Karen  
1225802 Watson Alex  
1289351 Weaver Anne Marie
1309558 Weaver Nicholas  
1381530 Welch Michael  
935091 Whipp Betty  
1359852 White Shantel  
1381537 Whittaker Miriam  
1125801 Wickham Ashley  
1450112 Williams Shanae  
455821 Williams Timothy  
455822 Willison Stacy  
1208823 Winsor Ryan  
1184123 Wolf Bobi  
1381539 Wood Ashley  
1403749 Woods-Norman Bethany  
1405091 Worden Ananda  
1433808 Worden Gary  
1152433 Worth Jennifer  
1038571 Wright Amy  
1143550 Wright Kyle  
1184124 Yinger Jessica  
1433809 Young Kathleen  
455811 Zannini Jamie  
1472816 Zanoni Ariella  
1405088 Zilch Brandon  

 

Last updated: 04/05/2016



 

MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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