Privacy Policy

Members Choice of Central Texas Federal Credit Union

Members Choice Privacy Notice
click the above link for the pdf file

The Privacy Policy is a downloadable file that you may fill out and return to the credit union via mail or other means.

Please call 254-776-7070 or 800-283-5343 during normal business hours.

Members Choice of Central Texas Federal Credit Union Web Site Privacy Policy

At Members Choice of Central Texas Federal Credit Union, we put our members first and take pride in offering a variety of financial services. Protecting your privacy, along with your financial assets, is central to our mission.

Whether you are an existing member or are 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 financial information to remain private and secure.

Members Choice of Central Texas Federal Credit Union maintains standards to ensure that your information is private and secure at all times. Members Choice of Central Texas Federal Credit Union’s Web Site Privacy Policy appears below. It is our commitment to protect your personal information in accordance with this policy.

Use, Collection and Retention of Member Information
Members Choice of Central Texas Federal Credit Union collects, retains and uses information about members only where reasonably necessary – and allowed by law – to administer our business and to provide products, services and other opportunities that we believe will benefit our members.

When you visit our web site, we will collect and retain the following information about you: (i) the domain name from which you access the Internet (e.g.,,, (ii) the date and time you access our site, and (iii) the Internet address of the web site from which you directly linked to our site, if applicable. We use this information to measure the number of visitors to our site and to help us make our site more useful to you.

If you identify yourself by inputting personal information at our web site, we will use that information only to respond to your inquiry or request. We will not forward any such information to any third party unless required by law.

Maintenance of Accurate Information
The 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 telephone number and address listed below. We will respond to requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information
The Credit Union limits employee access to personally identifiable member information to those employees with a valid business reason for knowing such information. We train our employees on the importance of confidentiality and privacy, and require each of our employees to comply with this policy and our standards of conduct and procedures.

Protection of Information by way of Established Security Procedures
All of the Credit Unions operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. In addition, we maintain appropriate security standards and procedures to prevent unauthorized access of other member information. Our home banking system uses a cryptographic (digital certificate) key to secure account information sent between our server and your browser. This communication key allows us to encrypt data sent through the Internet. Also, our server employs sophisticated firewalls to prevent unauthorized access to Credit Union and member information.

Restrictions on Disclosure of Account Information
Members Choice of Central Texas Federal Credit Union does not share member information with unaffiliated third parties for their independent use, except (i) for the exchange of information with reputable information reporting agencies in order to maximize the accuracy and security of such information and (ii) in connection with providing certain products or services that we believe may benefit our members.

We place strict limits on companies to whom we provide personally identifiable data for marketing purposes. Whenever we provide information for this purpose, we carefully review the company and the product or service to ensure that it provides value to our members. In addition, we share only the minimum amount of information necessary for that company to offer its product or service to you.

If you prefer not to receive notification about any offers from companies approved by us, call or write to us at the following telephone number and address:

(254) 776-7070
Members Choice of Central Texas Federal Credit Union
P.O. Box 20248
Waco, TX 76702-0248

In addition to the foregoing, the Credit Union will also provide member information in the following circumstances: (i) in order to complete a transaction initiated by one of our members, (ii) if a member requests it, and (iii) if the information disclosure is required by law.

Maintaining Member Privacy in Business Relationships with Third Parties
When the Credit Union provides member information to a third party, we require by way of a written agreement that the third party adhere to privacy principles and standards of conduct consistent with those to which the Credit Union adheres for keeping member information confidential.

A Word about Internet Cookies
To provide better service and a more effective web site, the Credit Union may use cookies as part of our interaction with your Internet browser. A cookie is a small text file placed on your hard drive by our web page server. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses or capture your e-mail address. Cookies are commonly used on web sites and do not harm your system.

We may use cookies in places where you may need to register, such as home banking, or where you are able to customize the information you see. Recording a cookie at such points makes your online experience easier and more personalized. We may also use cookies to identify what sections of our site our members visit most so we can continue to provide information on the products and services in which our members have demonstrated an interest. These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address. By configuring your preferences or options in your Internet browser, you can control if and how a cookie will be accepted.

Third Party Websites
Members Choice of Central Texas Federal Credit Union hosts several links to third party vendors on their website in hopes of providing quick and easy access to information pertinent to your financial needs. Please keep in mind the following statements when accessing third party vendors:

  • The member is leaving the credit union’s website;
  • The member is linking to an alternate website not operated by the credit union;
  • The credit union is not responsible for the content of the alternate website;
  • The credit union does not represent either the third party or the member if the two enter into a transaction;and
  • Privacy and security policies may differ from those practiced by the credit union.

More Information
Members Choice of Central Texas Federal 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 the Credit Union protects or uses your confidential information, please contact us at the telephone number or address listed above.