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Facts: What does Destinations Credit Union do with your personal Financial Information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income.

  • Account balances, transaction history, assets, and payment history.

  • Credit history and credit scores.

  • Investment experience.

When you are no longer our member, we continue to share your information as described in this notice.

How?

All financial companies need to share customer/member’s personal information to run their everyday business. In the sections below, we list the reasons financial companies can share their customer/member’s personal information; the reasons Destinations Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does DCU Share?

Can you limit this sharing?

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to a credit bureau.

Yes

No

For our marketing purposes —
to offer our products and services to you.

Yes

Yes

For joint marketing with other financial companies.

Yes

Yes

For our affiliates’ everyday business purposes — information about your transactions and experiences.

No

We do not share.

For our affiliates’ everyday business purposes — information about your creditworthiness.

No

We do not share.

For nonaffiliates to market to you

No

We do not share.


To Limit Sharing

  • Call 410‐663‐2500 and speak to a Member Service Representative

  • E‐mail memberservices@destinationscu.org and put “Opt‐Out” in the subject line

Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions

Call 410‐663‐2500 and speak to a Member Service Representative

Who we are

Who is providing this notice?

Destinations Credit Union
8767 Satyr Hill Road, Baltimore, MD 21234

What we do

How does Destinations Credit Union protect my personal information?

To protect your personal financial information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Destinations Credit Union collect my personal information?

We collect your personal information, for example when you

  • Open an account or deposit money

  • Pay your bills or apply for a loan

  • Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliates’ everyday business purposes — information about your creditworthiness

  • Affiliates from using your information to market to you

  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choice will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

rkGoBig, LLC, a Credit Union Service Organization is partially owned by us.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Destinations Credit Union has no nonaffiliates.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you

  • Our joint marketing partners include investment, insurance, and other financial service providers.

You may opt out of receiving marketing information from Destinations Credit Union or through its joint marketing agreements. Follow the instructions in the “To Limit Sharing” section of this notice.

  Rev. 5/2021


HOLIDAY CLOSING: Destinations will be closed on Monday, May 27, 2024, in observance of the Memorial Day holiday. You can access your accounts 24/7 via our Mobile App, e-Banking, or our Free ATM Network.Click Here and learn more about 24/7 account access with our E-Services.
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