Privacy & Disclosures

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms
• Information about your transactions with us
• Information we receive from a consumer reporting agency

We may disclose all of the information we collect, as described above, as permitted by law.

We use cookies on this website. Cookies are small chunks of data created by a web server, delivered through a web browser, and stored on your computer. They provide a means for websites that you visit to keep track of your online patterns and preferences, as well as identify you as a return visitor. Cookies make the personalization of your web experiences possible, so that you do not need to re-enter your information from scratch upon each visit to a given website.

• Third party vendors, including Google, show your ads on sites on the internet
• Third party vendors, including Google, use cookies to serve ads based on a user’s prior visits to your website
• Users may opt out of Google’s use of cookies by visiting the Google advertising opt-out page or the Network Advertising Initiative opt-out page
• Users may opt out of DoubleClick’s use of cookies by visiting the DoubleClick opt-out page or the Network Advertising Initiative opt-out page

NAI member companies serve cookies via this website to allow consumers to opt-out of the Online Preference Marketing (“OPM”) practices of those member companies. To enable a consumer to opt out, the NAI or member company must set an “opt-out cookie” on the consumer’s browser. At this site, the setting of that opt-out cookie occurs when the consumer chooses, via one of our opt-out pages, not to participate in the OPM practices of an NAI member company. The only way that an NAI member company will be able to know that a consumer has chosen not to participate in OPM is if the member company can read an opt-out cookie on that consumer’s browser. To learn more about how our opt-out process works, click here to see details.

No personally-identifiable information is collected on this website from consumers that browse the website for information or use the opt-out service.

As part of the opt-out process, please note that NAI members serve cookies on our website. You have the ability to manage the use of cookies on your computer using controls in your web-browser. To learn more about how to manage cookies, visit www.allaboutcookies.org.

We may disclose nonpublic personal information about you to the following types of third parties:

• Financial service providers, such as insurance companies, mortgage service companies, and securities broker-dealers
• Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, plastic card processors, and government agencies

In order for us to conduct the business of the credit union, we may disclose all of the information we collect , as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

If you terminate your membership with Generations Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

Generations is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
• Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
• Let us know if you have questions. Please do not hesitate to call us – we are here to serve you!

Generations Federal Credit Union
PO Box 791870
San Antonio, TX 78279-1870
Phone: (210) 229-1128

© CUNA Mutual Group, 2000, 2001 (30882) 02/28/01 23375

An independent agency of the United States Government. NCUA regulates, charters, and insures the nation’s federal credit unions. In addition, NCUA insures state chartered credit unions, like Generations Federal Credit Union, which desire and qualify for federal insurance.

The shares in Generations Federal Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF) or the Fund, an arm of NCUA. Established by Congress in 1970 to insure member share accounts at federally insured credit unions, the Fund is managed by NCUA under the direction of the three-person NCUA Board.

Your share insurance is similar to deposit insurance provided by the Federal Deposit Insurance Corporation (FDIC). Share accounts in federally insured credit unions are insured up to $250,000, an amount equal to the insurance protection offered by the FDIC.

The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by Congress in 1970 to insure member’s deposits in credit unions up to the $250,000 federal limit. Administered by the National Credit Union Administration, the NCUSIF is backed by the “full faith and credit” of the U.S. Government. Click here to learn more.

You can use the new Electronic Share Insurance Estimator at the NCUA web site in order to give you an idea as to the amount of coverage your accounts at the Credit Union carry. Based on the type of deposit account(s) you have, this estimator will determine how much those same accounts are insured for.

NCUA – Electronic Share Insurance Estimator

There are several federal laws which provide you with protection during the processing of your loan. The Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and the Fair Credit Reporting Act (FCRA) prohibit discrimination and provide you with the right to certain credit information.

No Discrimination. ECOA prohibits lenders from discrimination against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, the fact that all or part of the applicant’s income comes from any public assistance program, or the fact that the applicant has exercised any right under any federal consumer credit protection law. To help government agencies monitor ECOA compliance, your lender or mortgage broker must request certain information regarding your race, sex, marital status and age when taking your loan application.

The Fair Housing Act as amended, prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status (including children under the age of 18 living with parents of legal custodians, pregnant women, and people securing custody of children under the age of 18), and handicap (disability).