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Privacy

SPCU Member Privacy Notice

Sierra Point Credit Union is owned by its members and run by a Board of Directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.

Sharing of Information With Others

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions. As permitted by law, we may share information about your transactions such as account numbers, repayment history, social security number, address, etc. We do so to provide processing of your transactions. This is generally done with third party providers who are required to maintain strict confidentiality of your data and they are not permitted to use this information for any other purposes than what it is provided for and they are not allowed to share it with any other parties.

Joint Marketing Agreements

To provide you with certain financial opportunities, we have entered into joint marketing agreements with other companies that provide additional financial products for you to consider. Under these arrangements, we may disclose all of the information we collect, as described below. The law permits for this type of information sharing without member opt-out options. 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 to other third parties the information we provide to them. We also do not permit these companies to telemarket to you without your consent.

Information We Collect And Disclose About You

We collect the following nonpublic personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.

  • From membership and loan applications and other forms, we obtain information such as name, address, social security number, driver's license number and income.
  • From your transactions with us or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions and credit card usage.
  • From consumer reporting agencies, we obtain information such as your creditworthiness, credit history and checking account history.
  • From verifications of information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions and other sources listed on the application.

We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions as you authorize, or protect the security of our financial records.

Our Web Site

When you visit our Web Site at www.spcu.org, we want you to feel secure that we are respecting your privacy. The only private information we have about you is the information you choose to give us (such as providing feedback or completing a form). We do not release that information to others without getting your consent.

We cannot guarantee that any links you may click on from our web site will not gather information about you. Please check with those sites' privacy policies. We offer these links as a resource only.

E-Mail

When you send us an e-mail that is general in nature and we respond, these are generally not secure. A secure (encrypted) e-mail form is available for e-mails that contain personal information that should remain secure such as membership and loan applications.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific, business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

How to Contact Us

If you would like additional information or have questions regarding Sierra Point Credit Union's Privacy Policy, please telephone us at 650-588-6140 or send us an e-mail at info@spcu.org. You may also write us or visit our office to discuss your questions with one of our staff.

365 South Spruce Avenue
South San Francisco, CA 94080
Phone: (650) 588-6140
Fax: (650) 875-1984
Web: www.spcu.org
Email: info@spcu.org

 

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* FIXED RATE LOANS *
Effective March 2014

LOAN TERM VEHICLE LOAN UNSECURED LOAN LINE OF CREDIT
24 - 72 mos as low as
2.99%
as low as
6.75%
as low as
8.75%

THE FIXED RATES QUOTED ARE SPCU'S BEST RATES FOR EACH LOAN TERM. A BORROWER'S FINAL RATE IS BASED ON THEIR INDIVIDUAL QUALIFICATIONS (Credit Score & terms).

Home Equity VISA Gold - Introductory Rate 4.50% for 6 months Unsecured VISA Gold Fixed Rate as low as 9.9%


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