Privacy Policy


What Does WyHy Federal Credit Union Do With Your Personal Information?


Why? Financial companies decide how to share your personal information. Federal law gives consumers rights to limit some, but not all, sharing. It also requires us to inform 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 product or service you have with us. This information can include:
  • Social Security number
  • Account balances
  • Transaction history
  • Credit history
  • Payment history
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers' personal information to run their everyday business. Below, we list the reasons financial companies can share their customers' personal information, the reasons WyHy Federal Credit Union chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does WyHy Federal Credit Union 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 bureaus Yes No
For our marketing purposes – to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
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 our non-affiliates to market to you No We Don't Share
What We Do
How does WyHy Federal Credit Union protect my personal information? 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 restrict access to your personal information to those employees who need to know that information to provide products and services to you.
How does WyHy Federal Credit Union collect my personal information?
We collect your personal information, for example, when you:
  • Open an account or make deposits or withdrawals
  • 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 creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
  • WyHy Federal Credit Union does not share with our affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • WyHy Federal Credit Union does not share with non-affiliates.
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • WyHy Federal Credit Union jointly markets with non-affiliated financial companies.
Other Important Information
In accordance with applicable state laws, WyHy will not share information we collect about residents with companies outside of WyHy, except as permitted by law. We will limit sharing within our company to the extent required by state law.