Internet Privacy Policy & Security

To our Members:

IC Federal Credit Union's mission is to deliver quality products and services to meet the financial needs of all our Members regardless of their location. This means using the newest and most convenient technology to deliver these products and services to you, including the Internet.

A logical concern that arises from the rapidly changing world of technology is every Member's right to conduct business with us in confidence, and the right to maintain privacy over his or her financial affairs. We share this concern and are committed to ensuring that all business you conduct with us is held in the strictest confidence and that all Member transactions are safe and secure.

In the course of providing products and services, we collect nonpublic, personal information about you from the following sources:

  • information we receive from you on applications or other forms
  • information about your transactions with us, our affiliates, or others
  • information we receive from a consumer credit reporting agency

IC Federal Credit Union and its affiliate Investments & Retirement Services may also work closely to offer products and services to meet members' needs. As a result, we may also share your nonpublic personal information with each other as permitted by law.

We take a proactive approach to make your transactions with us safe and secure in both the delivery and storage of data. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We take certain precautions with our Internet Banking Product to ensure that each Member can conduct their business in a private and secure manner.

We will not disclose any nonpublic personal member information, except such information required by federal or state law or judicial or regulatory action or which is necessary to be disclosed to process a financial product or service transaction specifically requested by the Member.

If you decide to terminate your membership or become an inactive Member, we will continue to adhere to the Privacy Policy and Practices described herein.

You may direct us not to disclose information between IC Federal Credit Union and our affiliates that does not relate solely to experiences or transactions with you or your account (such as application information and credit bureau information) by writing to us at 300 Bemis Road, Fitchburg, MA 01420 or by calling us at 1-(800)-262-1001. If you make such a request, it will apply to all your consumer relationships within the IC Federal Credit Union family of affiliated companies.

Security

Don’t get hooked by scammers out 'phishing' – Internet scammers have a new way to lure unsuspecting victims: They go "phishing" (also called 'carding').

Phishing is a high-tech scam that uses spam to deceive consumers into disclosing their credit card numbers, bank account information, Social Security numbers, passwords, and other sensitive information.

How it works:
The scammers send you an e-mail that appears to be from a business you deal with. It could be your internet service provider, online payment service, or credit union, for example. The e-mail says you need to "update" or "validate" your billing information to keep you account active. You are then directed to a "look-a-like" website of the legitimate business, further tricking you into thinking you are responding to a valid request.

Unknowingly, you would end up submitting your financial information to the scammers, who would then use it to order goods, services and obtain credit – in your name.

Be aware:
The Federal Trade Commission (FTC) urges you to take the following precautions to avoid getting hooked by a phishing scam:

  • If you get an e-mail that warns you, with little or no notice, that an account of yours will be shut down unless you reconfirm your billing information, do not reply or click on the link in the e-mail. Instead, contact the company cited in the e-mail, using a telephone number or website address you know to be genuine.
  • Avoid e-mailing personal and financial information. Before submitting financial information through a website, look for the ‘lock’ icon on the browser’s status bar. It signals that your information is secure during transmission.
  • Review credit card and bank account statements as soon as you received them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balance.
  • Report suspicious activity to the Federal Trade Commission. Send the actual spam to uce@ftc.gov. If you believe you’ve been scammed, file your complaint at www.ftc.gov, and then visit the FTC’s Identity Theft website www.ftc.gov/idtheft to learn how to minimize your risk of damage from identity theft.

Visit www.ftc.gov/spam to learn other ways to avoid e-mail scams and deal with deceptive spam.

If you have any questions regarding the Privacy & Security, please call any one of our Sale and Service representatives at IC Federal Credit Union at 1-(978)-343-3725 Monday through Friday between the hours of 9:00am and 7:00pm or Saturday between 8:00am and 12:00pm