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HOLIDAYS

Friday, January 1 New Year's Day
Monday, January 18 Birthday of Martin Luther King, Jr.
Monday, February 15 Washington's Birthday*
Monday, May 30 Memorial Day
Monday, July 4 Independence Day
Monday, September 5 Labor Day
Monday, October 10 Columbus Day
Wednesday, November 11 Veterans Day
Thursday, November 26

Thanksgiving Day

Friday, November 27 Day after Thanksgiving Day
Thursday December 24 Closing at 1:00 pm for Christmas Eve
Friday, December 25 Christmas Day

*This holiday is designated as "Washington's Birthday in section 6103(a) of title 5 of the United States Code, which is the law that specifies holidays for Federal employees. Though other institutions such as state and local governments and private businesses may use other names, it is our policy to always refer to holidays by the names designated in the law.

Beware of the Phishing bait!

Phishing scams lure account holders into providing personal or financial information to scammers posing as a legitimate business. Most phishing scams are conducted through email, with messages containing links that ask for your personal data or download spyware to your computer or mobile device. Other phishing scams are conducted by phone call, text messages and social media. Silverado Credit Union will never solicit your personal information via phone or email.

What To Do If You're a Victim...If you suspect you're a victim of phishing:

  • Ensure that your computer's firewall, anti-virus and spyware detection software is current.
  • Run a virus scan on your computer and clean up any viruses or trojans that are detected.
  • Change your Account Access password from an uninfected computer.

If you supplied personal information via email, phone, social media or other means to someone you suspect was scamming you, contact Silverado Credit Union at 1-707-965-2483.

Silverado Credit Union will NOT ask for personal information over the phone or by email. Our Staff will never solicit your password, date of birth, Social Security number, credit card details and other personally identifiable information via phone, email or other message system. If you believe that you've received a phishing email, phone call, or text or social media message from us, please immediately call us at (707) 965-2483 and report the suspicious or fraudulent activity.

                    

  

                         SILVERADO CREDIT UNION
                         P.O. Box 330
                         Angwin,CA 94508
                         (707) 965-2483                                                                       Rev. 3/2014
 
FACTS
WHAT DOES SILVERADO CREDIT UNION DO
WITH YOUR PERSONAL 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 and payment history
  • credit history and credit scores
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 members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Silverado Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information         Does Silverado CU Share?             Can I 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 credit bureaus
 
 
Yes
 

    No

 

For our marketing purposes --to offer our products and services to you

 

 No

 

 We don’t share

 

 For joint marketing with other financial companies

 

 No

 

 We don’t share

 

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

 

 No

 

 We don’t share

 

 For our affiliates’ everyday business purposes --information about your creditworthiness

 

 No

 

 We don’t share

 

 For nonaffiliates to market to you

 

 No

 

 We don’t share

 
 

 
What we do
How does Silverado Credit Union protect my personal information?
To protect your personal 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 Silverado 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.

 
 

Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies
  • Silverado Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies
  • Silverado Credit Union  does not share with  nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Silverado Credit Union does not jointly market.
 

  Questions?Call us at 707.965.2483

 ©2011-2012 California Credit Union League, Law Offices of Thomas H. Wolfe, PC - All Rights Reserved CLSCCUSTOM 5106 (6.2M)