Privacy Statement and Disclosure

Down East 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 who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union. These practices are followed by the credit union.

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.

Information We Disclose

We may disclose nonpublic personal information about you to our affiliates who are financial services providers such as insurance agencies. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Disclosure of Information to Parties That Provide Services to Us

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Disclosure of Information About Former Members

If you terminate your membership with Down East 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 persons who need to know that personal information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with Federal Regulations to guard your nonpublic personal information.

What Members Can Do to Help

Down East 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 accounts 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 your 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.

If You Have Questions

If after reading this notice you have questions, please contact us at:

1-800-427-1223 or write to:
Linda Croman
Down East Credit Union
P.O. Box 130
Baileyville, Maine 04694

Down East Credit Union is a Maine Credit Union
Serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties,
and the towns of Brunswick and Harpswell in Cumberland County.

Branch offices are located in Baileyville, Machias, Belfast, Unity, Bangor, Calais, Richmond, and Bowdoinham.

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