Privacy Notice
     International Harvester Employee Credit Union, Inc.
     5000 Urbana Road
     Springfield, Ohio 45502

     International Harvester Employee Credit Union collects nonpublic personal information about you from the following sources:

• Information we receive from you on membership and loan applications and other forms;
• Information about your transactions with us or others; and
• Information we receive from a consumer reporting agency.

     We are committed to providing you with competitive products and services designed to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial services - such as credit cards, share drafts, and insurance opportunities.  In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.  Each of these companies has been approved by the credit union's board of directors.  To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide.  We do not permit these companies to sell the information we provide to them to other third parties and your credit union NEVER SELLS MEMBER INFORMATION.

     We may disclose all of the information we collect as described above to other financial institutions with whom we have joint marketing agreements.

     We may also disclose information we collect about you under other circumstances as permitted or required by law.  These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions, or protect the security of our financial records.

     If you terminate your membership with International Harvester Employee Credit Union, we will not share information we have collected about you, except as permitted by law.

    International Harvester Employee Credit Union restricts access to nonpublic personal information about you to those employees who have a specific business purpose for using it.  Our employees are trained on the importance of maintaining confidentiality and member privacy.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

How to protect your privacy

    In addition to your credit union's efforts to protect your privacy, you can follow these steps to protect yourself.

1. Call 888-567-8688 to stop unsolicited credit card offers in the mail.  Have your name removed from prescreened lists from the big three credit bureaus - Equifax, Trans Union, and Experian. This should reduce the number of offers.
2. Keep items with personal information in a safe place and either tear them up or shred them when you don't need them anymore.  Dispose of share draft copies and statements, charge receipts, insurance forms, expired charge cards, and credit offers the same way.  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 your accounts if your card is lost or stolen.
3. Remove your name from many national mailing lists by writing to the Direct Marketing Association's Mail Preference Service, P.O. Box 9008, Farmingdale, NY 11735-9008.  Include your name, address, and phone number with your request to be taken off mass mailing lists.
4. Order a copy of your credit report from a couple different credit reporting agencies every year. Here's a list of the three national credit bureaus: Experian - 800-682-7654, Equifax - 800-685-1111, Trans Union - 800-888-4213.  Verify that your credit report is accurate and that it includes only activities you've authorized.
5. 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.
6. 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.
7. Let us know if you have any questions. Please do not hesitate to call us - we are here to serve you.

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