Silverado Credit Union Disclosures

Truth in Savings Terms and Conditions Agreements (PDF – new window)

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Privacy Policy

Home & Mobile Banking Disclosure (PDF – new window)

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Funds Availability Policy Disclosure Amendment effective 2011-2017

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the remaining funds will generally be available by the second business day after the day of deposit. The first $200.00 of your deposits, however, will be available on the first business day. Funds deposited after 4:00 p.m. will be considered deposited the next business day and will become available the following business day.

Silverado Credit Union is Committed to Protecting the Privacy of our Members

In general, you can visit us on the World Wide Web without disclosing to us who you are or revealing any information about yourself. There are several areas, however, that will collect certain information about you and we want you to know how we handle that information.

If you visit our website, Silverado Credit Union collects and stores information on the domain you use to access our website, the Internet address of the site from which you linked directly to the site, and the date and time of your visit. This information is used to measure the number of visitors to the various pages on our site to better serve our membership.
If you send an e-mail, Silverado Credit Union collects and stores personally-identifying information in order to process your e-mail, form or application. This information is not sold to any third parties. Due to the volume of e-mail activity, these messages are deleted after they are answered or completed.

If you visit a secure site, such as home banking, you will be asked for personal identification numbers which will give you access to the member only section of our website. This information enables Silverado Credit Union to regulate entry to the member only portions of our website and to measure member usage. Any identifying information gathered is not sold to third parties.
If you link to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site. We make every effort however, to ensure that all linked sites follow similar privacy policies as ours to offer you maximum security and privacy.

Thank you for exploring our Web Site…

The following terms of use apply to your access to and use of Silverado Credit Union’s Internet Sites (“Internet Sites”). Please take a moment to read these terms carefully. By accessing any page of our Internet Sites, you agree to be bound by these terms. The term “Silverado” as used in these Terms and
Conditions means Silverado Credit Union.

Internet Sites design, text, graphics and the arrangement thereof are property of Silverado Credit Union. Any use of the information and materials included in our Internet Sites—unless otherwise indicated—without the prior written permission of Silverado is prohibited.

Prohibition on Unlawful Funding of Internet Gambling

Regulation GG Disclosure
The Unlawful Internet Gambling Enforcement Act of 2006 prohibits gambling businesses from disbursing or accepting payments in connection with unlawful Internet gambling. Under the Act, any person engaged in the business of betting or wagering (as defined by the statute) is prohibited from completing “restricted transactions,” or knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling.

Silverado Credit Union will not open accounts for any business involved in this type of activity. However, as required by law, we monitor all account activity, and will restrict any transactions connected with unlawful Internet gambling. If unlawful Internet gambling activity is detected, the account may be restricted or closed.

Use of Information and Materials

The information and materials contained in these pages—and the terms, conditions, descriptions that appear—are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final Silverado Credit Union determination and acceptance.

Disclaimer of Warranties

The information, materials and functions contained in our Internet Sites, including text, graphics, links or other items are provided on an “AS IS” basis without warranties of any kind, either express or implied, including but not limited to warranties or merchantability, fitness for a particular purpose, or freedom from computer virus. Silverado does not warrant the adequacy, accuracy or completeness of the information and materials included in our Internet Sites or in third party sites linked to or from our Internet Sites or that the functions provided will be uninterrupted or error-free. Silverado expressly disclaims any liability for any errors in or omissions from information, materials and functions included in our Internet Sites or any third party sites linked to or from our Internet Sites.

Disclaimer of Liability

In no event will Silverado be liable for any direct or indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with use of our Internet Sites, any interruption in availability of our Internet Sites, delay in operation or transmission, computer virus, loss of data, or otherwise, even if Silverado has been advised of the possibility of such damages or loss.


Information submitted to Silverado through our Internet Sites will become and remain the property of Silverado Credit Union. And Silverado will be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information provided to Silverado through our Internet Sites. Silverado will not be subject to any obligations of confidentiality regarding submitted information except as agreed to by Silverado entity having a direct customer relationship or as otherwise specifically agreed to or required by law.


You may communicate directly with Silverado through our Internet Sites, subject to the following conditions:
You may not upload any information or material that violates any copyright, trademark or other proprietary rights of any person or entity.
You must not include any obscene, libelous or defamatory content in your communications.
You must indemnify and hold Silverado harmless from any and all damages, losses and liabilities arising from your communications with us through our Internet Sites, except as stated in Silverado’s Home Banking service agreement.


Silverado Credit Union operates and controls our Internet Sites from its offices in the State of California, United States of America. Silverado makes no representation that any information, materials or functions included in our Internet Sites are appropriate for use in any other jurisdiction. If you choose to access our Internet Sites from other locations, you do so on your own initiative and are responsible for compliance with applicable local laws and regulations.

Governing Law

Your access to and use of our Internet Sites and these terms are governed by and will be construed in accordance with the law of the State of California without regard to principles of conflicts of laws. In the event any provision of these terms is held unenforceable, it will not affect the validity or enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.