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   Worcester Credit Union                                                        rev. 10/2022
FACTS WHAT DOES WORCESTER 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 product 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 
When you are no longer our member, we continue to share your information as described in this notice.
How? All financial companies need to share member’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member’s personal information: the reasons Worcester Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Worcester 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 No No
For joint marketing with other financial companies No We don’t share
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
Questions? Call 508-853-9966 or go to www.worcestercu.com
What We Do
How does Worcester 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.
How does Worcester Credit Union collect my personal information? We collect your personal information, for example, when you
  • open an account or deposit money
  • make deposits or withdrawals from your account
  • pay your bills or apply for a loan
We may 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 nonaffiliates 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 nonfinancial companies.
  • Worcester Credit Union has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Worcester Credit Union 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.
  • Worcester Credit Union doesn't jointly market.

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Worcester Credit Union is INSURED by National Credit Union Administration (NCUA) and Massachusetts Credit Union Share Insurance Corporations (MSIC). The NCUA insures all deposits up to $250,000 per account owners. All deposits above NCUA limits are fully insured by MSIC.

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