Privacy Policy

Picture of a lady inside of her car holding up some keys.



General Privacy Statement
In keeping with our long-standing commitment to provide our members with the highest quality financial products and services, the Saginaw County Employees Credit Union has developed and maintains this Website.  We have always placed a high priority on maintaining the confidentiality and security of our members’ personal and financial information.  Therefore, we have taken prudent and necessary steps to assure that this Website is secure and information transmitted is confidential.

This document sets the rules for the use of our Website, explains the types of information we may obtain from visitors and the security measures we use to protect the privacy of our records and the personal and financial information of our members.

Laws and Regulations
Saginaw County Employees Credit Union controls and maintains this Website within the United States of America and makes no representation that materials are appropriate or available for use in other locations.  User access to and use of this Website is subject to all applicable international, federal, state, and local laws and regulations.  Users of this Website agree to submit to the laws of the State of Michigan and applicable federal law without regard to conflict of laws and principles.

Information collection and Use
When you browse the Website and have not registered for any online service from the credit union, you browse anonymously.  Personal information — such as your name, address, phone number or email address — is not collected as you browse.  We do not employ the use of “cookies” on this Website.

We limit the collection and use of information about our members to what is needed to administer their accounts, to provide member services, to offer new products and services, enhance this website or other marketing materials, and to fulfill any legal or regulatory requirements.  In accordance with federal laws and regulations, we provide our members with an initial and annual privacy disclosure that informs our members about the general uses of information we collect about them and the security measures we employ to maintain the confidentiality of their information.

Employee Access to Information
We strictly limit access to personal, financial or other information of our members and website visitors to credit union officials with a specific business purpose for knowing such information.  All credit union officials are aware of and required to follow our established privacy policies and procedures pursuant to federal regulations promulgated by the National Credit Union Administration.

Site Content
Although we try to provide accurate and timely information on our Website, the content on this Website may not be accurate, complete or current and may include technical inaccuracies or typographical errors.  From time to time changes may be made to Website content without notice.  We may change the products, services and any other information described on this Website at any time.  The information published on the non-secured areas of this Website is for informational purposes only and as a convenience to visitors.  You should verify all information before relying on it and decisions based upon information contained in our Website are your sole responsibility.  If you need more specific details or information about any information contained in our Website, you should contact us directly.

The products and services referred to on this Website are offered to our members by Saginaw County Employees Credit Union or a valued service partner.  The products and services and the applicable terms and conditions may change at any time.  The availability of these products and services are subject to our field of membership limitations.

All of the information on this Website including all images is proprietary material of Saginaw County Employees Credit Union, unless otherwise indicated.  You may not copy, download, republish, distribute, or reproduce any of the information contained on this site without our express prior consent, unless otherwise indicated.

Access to password Protected / Secure Areas
This Website may contain areas that are restricted to use only by individuals that have been authorized to access these areas via a password or other user identification code.  We utilize appropriate security measures to authenticate the user’s identification, insure confidentiality of credit union and member records, protect against any anticipated threats or hazards to the security and integrity of such records, and to protect against any unauthorized access to or use of such records.  We regularly test our systems and procedures to assure that our security measures meet our high standards.  Any unauthorized individual attempting to access any secure areas of this Website may be subject to prosecution.

Saginaw County Employees Credit Union welcomes feedback from visitors to this Website and inquiries about our products and services.  You may do so by sending us an e-mail at or by calling us at (800) 801-0419.  If you do choose to contact us via e-mail, please keep in mind that your e-mail address and any other information your e-mail header shows about you such as your name, organization, and e-mail address will be revealed to us.  We promise that we will only use your e-mail information for the purpose of responding to your comments or questions.  Your information will not be sold or shared with others outside of the credit union, unless we are compelled to do so by law.

Please be very careful when communicating via e-mail as it is not necessarily secure against interception, and we cannot guarantee its confidentiality.  We recommend that you do not send any private or confidential information to us via e-mail.  If you choose to send any such information to us via e-mail we assume no responsibility and you accept all of the risk that it may be intercepted by an unauthorized third party.

We prohibit caching, unauthorized hypertext links to this Website and the framing of any content available through this Website.  We reserve the right to disable any unauthorized links or frames at any time.

This Website contains links to other Websites that we believe are of interest and value to our members and visitors.  Users should be aware that these Websites might contain their own rules and regulations, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on this Website.  Links to another Website do not constitute our approval or endorsement of that Website or any products, services or advertisements on that Website.  Further, we are not responsible for your use of a linked Website and we expressly disclaim any and all liability related to the use of a linked Website.

We do not use this Website to knowingly solicit data or any other information from or market to children under the age of thirteen.

Changes to These Rules
We reserve the right to revise these Rules at any time and users are deemed to be apprised of and bound by any changes to these Rules.

Violations of These Rules
We reserve the right to seek all remedies available at law and equity for violations of these Rules, including the right to block access from a particular Internet address to this Website.