MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSU Federal Credit Union | Disclosures | Visa

Visa Credit & Debit Card 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



For Platinum Visa for Teens Credit Card

Parent's/Legal Guardian's Agreement 


  • I agree that my teen should have an MSUFCU Visa Credit Card with a manageable starter limit.
  • I understand that I am responsible for repayment of the card balance and any interest fees accumulated should my teen not be able to repay the amount borrowed.
  • I agree to discuss the terms and conditions of the card with my teen.
  • I agree to discuss with my teen the types of purchases that may be charged to his/her MSUFCU Visa Credit Card, e.g., emergencies, clothing, online shopping, school expenses.
  • I agree that my teen should know how to handle his/her finances and will help him/her with their financial education.
  • I will review my teen's monthly Visa statement and discuss the cost of credit and the importance of repaying the account on time..
  • I will review the fees associated with and the interest charged on the MSUFCU Visa Credit Card with my teen  and discuss how they can be reduced.
  • I will help my teen develop a simple budget to track his/her income and expenses.
  • I will discuss short- and long-term savings goals with my teen.
  • I agree that setting a good example for my teen is necessary for him/her to make wise financial decisions.

Teen's Agreement


  • I agree that the MSUFCU Visa Credit Card is a privilege to use and that I am required to repay any money borrowed through my use of the card.
  • I agree not to spend more than I can afford to repay and must repay my MSUFCU Visa Credit Card in a timely manner.
  • I know I will have to maintain a budget so that I do not spend more than I earn.
  • I understand that a good credit history is important.
  • I agree to make the minimum payment on time and, whenever possible, to pay more than the required minimum or pay the balance in full to reduce loan interest charges.
  • I understand that by paying my bill in full each month, I will not be charged interest.
  • I understand that my limit is $500 and that I cannot charge more than that amount to my card. Consistently being over limit may be detrimental to my credit history.
  • I understand that if I fail to make my payment by the due date each month, I will be charged a late payment fee and the fee will be added to my balance.
  • I will develop some short- and long-term savings goals to help me reach my financial objectives.