Account Disclosures

If you recently opened an account or are considering opening an account at Alcoa Community FCU, click the button below to download a copy of the account disclosures.

Contact us to get the disclosures.

Patriot Act

U.S. Patriot Act Disclosure Statement Customer Identification Requirements

The USA Patriot Act requires all financial institutions to obtain, verify and record information that identifies each person who opens a membership. These efforts aid in the fight against funding of terrorism and money laundering activities and are required by the Federal Government.

Alcoa Community Federal Credit Union will only ask for the information required by law and will use the information solely for the purpose of complying with the law. Information may include name, address, date of birth, and other information that will allow us to identify you.

A valid driver’s license or another form of unexpired government-issue photo ID would be acceptable forms of identification for U.S. citizens.

Non-U.S. citizens may require a passport or alien identification card along with a state or government-issued photo ID

Privacy Policy

What do we do with your informa
Facts	WHAT DOES ALCOA COMMUNITY FEDERAL 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 credit history payment 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 customers' personal information to run their everyday business. In the section below, We list the reasons financial companies can share their customers' personal information, the reasons Alcoa Community Federal Credit Union chooses to share, and whether You can limit this sharing.

Why We share your information
Reasons we can share your personal information	Does Alcoa Community Federal Credit Union 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 credit bureaus	YES	NO
For Our marketing purposes - to offer Our products and services to You	YES	NO
For joint marketing with other financial companies	YES	NO
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 non-affiliates to market to You	NO	WE DON?T SHARE

Questions? Call (501) 315-5626 or go to www.alcoacommunityfcu.org

What we do
What We Do	How
How does Alcoa Community Federal 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 Alcoa Community Federal Credit Union collect my personal information?	We collect Your personal information, for example, when You open an account or deposit money use Your credit or debit card pay Your bills or apply for a loan We also collect Your personal information from others, such as credit bureaus, affiliates, or others.
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 non-affiliates to market to You State laws and individual companies may give You additional rights to limit sharing.

Definitions
Definitions	Example
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Alcoa Community Federal Credit Union has no affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Alcoa Community Federal Credit Union does not share with non-affiliates so they can market to You.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to You. Our joint marketing partners include insurance and brokerage companies.

Account Disclosures