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Disclosures
Deposit Insurance
NCUA Insurance
As a member, you are trusting us with your money. We appreciate and respect that trust. That’s why our deposit insurance is provided by the National Credit Union Administration (NCUA). The NCUA carries the full faith and credit of the federal government. It's one of the strongest share guarantees in the nation. Through NCUA, your aggregate non-IRA savings deposits will be insured up to $250,000, and your aggregate IRA deposits will be insured up to $250,000. Your money is safe and secure.
The Electronic Share Insurance Calculator is available on the NCUA's website to help you estimate the amount of insurance protection provided by the National Credit Union Share Insurance Fund using the type(s) and structure of your credit union accounts.
For more information about NCUA insurance coverage of transaction accounts, visit www.ncua.gov.
Additional Deposit Insurance Coverage for Our Members
We also carry additional coverage through Excess Share Insurance Corporation (ESI), which means all account relationships will be insured up to an additional $250,000. ESI is the highest level of share insurance coverage available without any direct cost to you.
Security
In addition to more than 90-years of success and growth within the financial industry, Fort Worth City Credit Union operates under laws and regulations that restrict investments to safe and insured items. Annual exams by regulators and independent audits by a C.P.A. firm ensure compliance with these requirements.
Privacy Policy
At Fort Worth City Credit Union, we put our members first and take pride in offering a variety of financial services. Protecting your privacy, as well as your financial assets, is central to our mission. Whether you are an existing member or considering membership with us, we understand how important it is for you to know how we collect, retain, and use information about you. We recognize that you have a right to expect your personal information to remain private and secure. Fort Worth City Credit Union maintains standards to ensure that your personal information is private and secure at all times.
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 and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide services to us. Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing services on our behalf. To protect your 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 companies we work with to sell to other third parties the information we provide them.
Information We Collect And Disclose About You
We collect and may disclose nonpublic personal information about you from the following sources:
Information we receive from you on membership and loan applications and other forms;
Information about your transactions with us or others;
Information we receive from a consumer reporting agency;
Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.
We also may disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of the Credit Union, follow your instructions as you authorize, and protect the security of our financial records. If you terminate your membership with Fort Worth City Credit Union, we will not share information we have collection about you, except as permitted or required by law.
How We Protect Your Information
Fort Worth City Credit Union restricts access to nonpublic personal information about you to our employees who have a specific business purpose in utilizing your data. We also train our employees in the importance of maintaining confidentiality and member privacy. In addition, we maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.
About Children's Online Privacy
The Children’s Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Fort Worth City Credit Union’s websites and online services are not directed to children under the age of 13, nor is information knowingly collected online from them. For additional information on COPPA protections, visit the Federal Trade Commission's website.
Maintenance of Accurate Information
Fort Worth City Credit Union has established procedures to ensure that your personal information is accurate, current and complete in accordance with reasonable commercial standards. If you find that your Account information is incorrect, call or write to us at the following telephone number or address:
817.732.2803
Fort Worth City Credit Union
2309 Montgomery St.
Fort Worth, TX 76107
We will respond to requests to correct inaccurate information in a timely manner.
More Information
Fort Worth City Credit Union values its members and their privacy. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how we protect or use your personal information, please contact us at the telephone number or address above.
Disclosure of Documents
As a member of Fort Worth City Credit Union you have the right to review the most current summary of the annual audit, the balance sheet, income statement, the IRS Form 990 and the written Board Policy regarding access to articles of incorporation, bylaws, rules, guidelines, board policies, and copies thereof. This information can be obtained at the Credit Union.
Contact Member Services for questions about any of our disclosures, or to request a paper copy of our disclosures at any time.
Contact Member Services:
By Phone: 817.732.2803
By Fax: 817.732.7524
By Mail: P.O. Box 100099
Fort Worth, TX 76185
COMPLAINT NOTICE
If you have a problem with the services provided by this credit union, please contact us at: Fort Worth City Credit Union, 2309 Montgomery St., Fort Worth, Texas 76107 or 817.732.2803 or complaints@fwccu.org.
This credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means below:
In Person or U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699
Telephone: 512.837.9236
Fax: 512.832.0278
Email: complaints@cud.texas.gov
Website: www.cud.texas.gov.