Michigan First Credit Union
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Privacy Policy

We believe in respecting your privacy.

These are the ways we use your information.

Revised January 2020

Facts What does Michigan First 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 account balances
  • Payment history and transaction or loss history
  • Account transactions and credit card or other debt
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 Michigan First Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Michigan First 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 Yes No
For our affiliates’ everyday business purposes – information about your credit worthiness Yes Yes
For our affiliates to market to you Yes Yes
For non-affiliates to market to you No We don’t share

To limit our sharing

Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 800.664.3828 or contact us. You can also opt-out of data sharing and marketing here.

What we do How We Do It
How does Michigan First Credit Union collect my personal information? We collect your personal information, for example, when you:
  • Open an account or apply for a loan
  • Use your credit or debit card
  • Give us your employment history
  • Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies
Why can’t I limit 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
When you are no longer a member, we continue to share your information as described in this notice.
Terms Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • Our affiliates include companies with the Michigan First name.
Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Michigan First 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 may include insurance companies, securities brokers, and membership rewards providers.

Data-Sharing Opt-Out

Michigan First Credit Union and its affiliates — Michigan First Mortgage and Michigan First Insurance Agency — share personal information with each other for business purposes. Federal law gives you the right to opt-out of your information being shared between these companies. Please fill out and submit the form below if you would like to opt-out of data sharing. By opting out, your data will not be shared between companies and you will no longer receive marketing or promotional material from Michigan First Credit Union, Michigan First Mortgage or Michigan First Insurance Agency.

  • First Name is a required field
  • Last Name is a required field
  • Email Address is a required field
  • Please enter a valid email address
    • Address is a required field
    • City is a required field
    • State is a required field
    • Zip Code is a required field
    • Last Four Digits of Your Social Security Number is a required field
    • Please only provide the last four digits.
    • Please only provide the last four digits.
    I understand am opting-out of data sharing between Michigan First Credit Union and its affiliates Michigan First Mortgage and Michigan First Insurance Agency. I acknowledge I will no longer receive marketing or promotional information from any of these entities.
    • Opt-Out of Email and Data Sharing is a required field

    Download our Privacy Policy

    Facts What does Michigan First Mortgage do with your information?
    Why? Mortgage 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 loan balances
    • Payment history and transaction or loss history

    When you are no longer a client, we continue to share your information as described in this notice.
    How? All mortgage 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 Michigan First Mortgage chooses to share; and whether you can limit sharing.
    Reasons we can share your personal information Does Michigan First Mortgage 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 companies Yes No
    For our affiliates’ everyday business purposes – information about your loans and experiences No We don't share
    For our affiliates’ everyday business purposes – information about your credit worthiness No We don't share
    For non-affiliates to market to you No We don’t share

    Questions?

    Call 877.312.9033 or contact us.

    What we do How We Do It
    How does Michigan First Mortgage collect my personal information? We collect your personal information, for example, when you:
    • Apply for a loan
    • Give us your credit history and social security number
    • Give us your employment history
    • Give us your contact information

    We also collect your personal information from others, such as credit bureaus, affiliates, or other companies
    Why can’t I limit 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

    When you are no longer a member, we continue to share your information as described in this notice.
    Terms Definitions
    Affiliates Companies related by common ownership or control. They can be mortgage/financial and non-mortgage/financial companies.
    • Michigan First Mortgage has one affiliate – Michigan First Credit Union.
    Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
    • Michigan First Mortgage 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 companies, securities brokers, realtors and mortgage servicing providers.

    Privacy and our website

    Visitors to Michigan First Mortgage’s websites will remain anonymous prior to logging in or entering information into any forms. We do not collect personal identifying information about visitors to our websites prior to login or form completion. Our servers collect standard non-identifying information about visits to our websites, such as date and time visited, IP address, city, state, country and traffic patterns of page visits. This information is used to compile standard statistics on website usage and traffic patterns.

    If you have provided identifying information via e-mail or form (e.g., name and address), your information will not be sold and may only be transferred to third parties if it directly relates to a product or service you use that is contracted through one of our joint partnerships (i.e. our credit card vendor, mortgage provider, etc.). We may also use the information for internal statistical purposes or to send you communications about products and services you have requested or may have potential interest in.

    We are committed to the security of personal information and make every effort to ensure that whenever possible. If you select an external link from any of our web pages, you are leaving our site pages and we cannot be held responsible for any information that may be gathered externally. Michigan First is not responsible for the content or availability of sites linked to from our website. We take reasonable precautions to assure that all of the websites we link to from our website respect your right to privacy; however, we cannot guarantee it. Please check sites for certification before submitting confidential information.

    Google Analytics

    Michigan First uses Google Analytics, a service that uses “cookies” to track anonymous information regarding your activities on our website. This includes information about your visit, including your device type, traffic source and geographic area, as well as pages visited and links clicked. Some behavioral data may be provided by Google “cookies” that shows your gender and age range. This data is used to better understand how visitors access our website and provide a better overall user experience.

    Google AdWords & Remarketing

    We use “cookies” to benefit our marketing campaigns. This includes tracking when campaigns result in a conversion, such as a user showing interest in a specific product. These “cookies” can also be used to present you with advertisements based on your actions on our website.

    Facebook Pixel

    We use the Facebook Pixel to track activity on our website potentially including pages visited and links clicked. This data is used to track the effectiveness of our Facebook posts and advertisements, as well as to build remarketing audiences based on actions taken on our website.

    We take your privacy seriously and ensure that no personally identifying information is stored in the “cookies."

    To opt out of Google’s cookies you can click here. To opt out of third party cookies you can click here.