#43 King Street
Christiansted, VI 00820

Tel: +(340)773-5444

Privacy Statement


WHY?          Financial Companies choose how they share your personal inforamtion.  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

                   Account Balances and payment History

                   Credit History

 HOW?            ALL Financial Companies need to share Members’ personal information to run their everyday business.  In the section below, we list reasons Financial Companies can share their Members’ personal information; the reasons Christiansted Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

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 Credit Bureaus


Can you limit this sharing?   No

For our Marketing purposes:    to offer our product and srvices to you

Does the CFCU Share?   NO

Can you limit this sharing?  We D’ont Share

Chrisiansted Federal Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals.  We are equally committed to protecting the privacy of our members.  Under federal law, we are required to give you this privacy notice.  It describes our credit union’s privacy policy and practices concerning the personal information we collect and disclose about our members.  It also includes information about the parties we receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If after reading this notice you have questions, please contact us at: (340) 773-5444

Information We Collect About You

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications and other forms
  • Information about your transactions with us
  • Information we receive from a consumer reporting agency
  • Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us

We may disclose nonpublic personal information about you ro the following types of third parties:

  • Financial service providers, such as insurance companies
  • Non-financial companies, such as consumer reporting agencies, data processors, and governemnt agencies

Disclosure of Information to Parties That Provide Services to Us

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform other services on our behalf so that we may provide members competitive products and services.  We may also disclose nonpublic personal information about you under circumstances as permitted or required by law.  These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information wr provide.  We do not permit these companies to sell the information we provie to other third parties.

Disclosure of Information About Former Members

If you terminate your membership with Christiansted Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Memebers Can Do to Help

Christiansted Federal Credit Union is committed to protecting the privacy of its members.  Members can help by following these simple guidelines:

  • Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords.  Never keep your PIN with your card, which can provide free access to your acounts if your card is lost or stolen.
  • Use caution when disclosing your account numbers, social security numbers, etc. to other persons.  If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware.  Official credit union staff will have access to your information and will not need to ask for it.
  • Keep your information with us current.  If you address or phone number changes, please let us know.  It is important that we have current information on how to reach you.  If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
  • Let us know if you have questions.  Please do not hesitate to call us – we are here to serve you!