Woburn Municipal FCU

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Privacy Statements

Your Privacy Is Important To Us!

Your credit union believes your privacy is important. Protecting your personal information and using it in a manner consistent with your expectations is a high priority for everyone at your credit union.

Only authorized employees, trained in the proper handling of account information, have access to our database. Your name, address, phone numbers, and financial information contained in this database or compiled from our Web Site is never sold or rented to anyone.

Our comprehensive privacy policy is as follows:

The credit union collects only the personal information that is necessary to conduct our business. That means, just what is necessary to provide competitive financial products and services-no more.

We will protect your personal information and maintain strong security controls to ensure that member information in our files and computers is protected.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

You will always have access to your information. As a member of our credit union, you can review your information and make any necessary changes to ensure that our records are complete and accurate. If you believe there is an error or you have a question about your account, write us at:

Woburn Municipal Federal Credit Union
8 Cedar Street
Woburn, MA 01801

Write to us as soon as possible, after you become aware of a potential problem. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.

In your letter, give us the following information:
•Your name and account number.
•The dollar amount and date of the potential error.
•Describe the potential error and explain, if you can, why you believe there is an error.

If you need more information, describe the item you are not sure about. We will respond to you within 30 days.

We share information only when absolutely necessary and only to administer the products and services we provide, or when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services to our members.

We partner only with businesses that follow strict confidentiality requirements. The businesses we select must offer products designed to enhance our members' economic wellbeing. Under no circumstances do we, authorize these firms to charge your account without your express consent, nor do we sell member information to telemarketing firms.

We do not disclose nonpublic personal information about former members.

We do not disclose nonpublic personal information about members to nonaffiliated third parties.

E-mail information provided by members and non-members is used to respond to inquiries, comments, or suggestions. This information also may be retained to provide members with timely information concerning products or services at the credit union. It is never sold, given, or disclosed to third parties not affiliated with the credit union.

You have a choice in how your information is used. Any member of this credit union may elect to keep information from being shared with our business partners. We will take all reasonable steps to make sure your requests are followed. If you wish to "opt out" from having your public personal information disclosed to our business partners (such as name and address), except as necessary for marketing purposes, you can "opt out" by writing us.

If you wish to opt out of disclosures, you may do so by printing out this form and returning this form to us at this address:

Woburn Municipal Federal Credit Union
8 Cedar Street
Woburn, MA 01801


Do not share my public or nonpublic personal information with any third parties.
Social Security Number(s):
Account Number(s):
Street Address:
City: ___________________ State: _________ ZIP: ____________

Notice To All Members: FACT Act

If you are applying for a loan with the credit union please note the credit union will run a credit report on you to determine your eligibility and please be aware of the following:

Negative information notice
If we find negative information, such as late payments, missed payments or other defaults on your loan or deposit account, we may report our findings to credit bureaus.

Home loan applicant notice
When you apply for a home loan we will disclose to you the credit score we received from the reporting agency, the lender we use in connection with your loan and the key factors affecting your credit score. Your credit score is a computer generated summary calculated based on data about your credit history and payment patterns. If you have questions about your credit score contact the credit reporting agency, Experian-TRW at 1-888-397-3742, answer the prompts, or call the credit union.

Effective July 1, 2010 - New Regulations

New Federal Reserve Overdraft Rules For Debit and ATM Cards

Existing Accounts - After August 15, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM Transactions
  • Everyday debit card transactions

New Accounts - After July 1st, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM Transactions
  • Everyday debit card transactions

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the form enclosed in the June credit union statement and send it to us.

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