Effective Date: September 1, 2026

Credit Union Privacy Policy

CVPH Employees Credit Union is owned by its members and governed by a board of directors elected by its membership. We value the trust our members place in us and are committed to protecting the privacy and security of your personal financial information.

Federal law requires us to provide this notice explaining how we collect, share, and protect information about you. If you have questions about our privacy practices, please contact CVPH Employees Credit Union using the contact information provided at the end of this notice.

We strive to provide financial products and services that meet the needs of our members. To deliver these services, process transactions, and support our operations, we may work with third-party service providers and other companies that assist us in providing financial products and services.

We may disclose nonpublic personal information about you to these companies as permitted by law and as necessary to provide services on our behalf. When applicable, we require our service providers to maintain appropriate safeguards for member information and to use that information only for authorized purposes. We do not authorize our service providers to sell the information we provide to them to other third parties.

Information We Collect and Disclose About You

We collect nonpublic personal information about you from a variety of sources, including:

  • Membership applications, loan applications, and other forms: Information you provide to us, such as your name, address, telephone number, and other identifying or financial information.

  • Transactions with us: Information related to your accounts and use of our services, such as account balances, payment history, transaction history, and other financial activity.

  • Consumer reporting agencies: Information such as your credit history, credit score, and creditworthiness.

  • Information verification: Information obtained from current or former employers, other financial institutions, and other sources as needed to verify information provided on applications or other documents.

We may disclose information about you as permitted or required by law. These disclosures may be necessary to process transactions, maintain and service your accounts, conduct our normal business operations, respond to your requests, comply with legal obligations, or protect the security and integrity of our financial records and systems.

If you terminate your membership or become an inactive member, we will continue to protect your nonpublic personal information in accordance with this notice and applicable law.

How We Protect Your Information

We limit access to nonpublic personal information about you to employees and officers who need the information to perform their job responsibilities.

Our employees and officers are expected to protect the confidentiality of member information and follow established privacy and security practices.

We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information from unauthorized access, use, or disclosure. These safeguards are maintained in accordance with applicable federal regulations and relevant financial industry practices.

Website Privacy Notice

Cookie Policy

What Are Cookies?

Our website may use cookies and similar technologies to support website functionality, improve your browsing experience, and help us understand how visitors use our website. Cookies are small files or pieces of information that may be stored on your computer or other device when you visit a website.

Some cookies remain on your device until you delete them or your browser removes them, while others expire or are deleted when you close your browser.

Third-party service providers that support our website may also use cookies or similar technologies in connection with the services they provide.

How We Use Cookies

We may use cookies and similar technologies for purposes such as:

  • Supporting the functionality and usability of our website.

  • Remembering preferences and supporting returning visitors.

  • Understanding website traffic, performance, and usage.

  • Helping maintain the security and reliability of our website and services.

The specific cookies and technologies used may vary depending on the website features and services available.

Disabling Cookies

You can adjust your browser settings to block or limit cookies. Consult your browser’s help or settings menu for instructions on managing cookies.

Please note that disabling cookies may affect the availability or functionality of certain website features and services.

Privacy Policy Updates

CVPH Employees Credit Union may update this privacy notice from time to time to reflect changes in our practices, services, or applicable legal requirements.

Updates will be posted on our website and will become effective as stated in the revised notice or as otherwise required by law. If material changes to our privacy practices require additional notice, we will provide notice in accordance with applicable law.

If you have questions or concerns about this privacy notice or our privacy practices, please contact us:

CVPH Employees Credit Union
CVPH Employees Federal Credit Union:
75 Beekman Street
Plattsburgh, New York 12901
Phone: 518–562–7030