A Private Note to Our Members:
Gabriels Community Credit Union is owned by its members and run by a Board of Directors elected by the membership. You can be confident that your financial privacy is a top priority of this credit union.
Information We Collect
We collect nonpublic personal information from many sources, including member applications and other applications for products and services, from those who do business with us or with our vendors, and from consumer reporting agencies. The Credit Union will collect only the personal information that is necessary to conduct our business.
Information We Disclose
We do not disclose or sell information to non-affiliated businesses or third parties desiring access to our member information. We may disclose information we collect about you under 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 as you authorize, or protect the security of our financial records.
We are committed to provide you with competitive products and services to meet your financial needs, which necessitates that we share information about you with our affiliates, to complete your transactions and to provide you with certain financial opportunities. We have also entered into agreements with other companies that provide either services to us or additional financial products for you to consider. Under these agreements, we may disclose information we collect to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect your privacy, we require these companies to agree to maintain strong confidentiality protections and we prohibit their use of this information other than to carry out the purposes for which it is disclosed.
If you terminate your membership with GCCU, we will not share information we have collected about you, except as permitted or required by law.
Steps We Take To Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees, members of the Board of Directors and Committee Members shall maintain confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and industry practices to safeguard your nonpublic personal information.
Linking to Other Web Sites
Gabriels CCU is not responsible for the content of any third party Web site or the privacy practices of such third parties. In addition, a link from our Web site to another Web site does not indicated that Credit Union endorses the services or policies of such third party Web site. You should always investigate the information practices of all Web sites that you access and carefully examine the privacy policies, if any, of the Web sites appearing on or linking to or from our Web site. Information collected from the linked Web sites will be subject to the information practices of those Web sites.
A note about Cookies: The Gabriels website uses HTTP cookies used for authenticating, session tracking (state maintenance), and maintaining specific information about users, such as site preferences and login information.
What is a Cookie? ‘HTTP cookies’, more commonly referred to as Web cookies, or just cookies, are parcels of text sent by a server to a Web client (your browser) and then sent back unchanged by the client each time it accesses that server.
Third Party Websites: Gabriels CCU utilizes third party websites to deliver and process information. The GCCU website also includes links to websites wholly independent of Gabriels Community Credit Union. When you click a link on the GCCU website that points to a third party website you will see a message informing you accordingly.
Gabriels Community Credit Union is constantly concerned about our members’ critical information and privacy. With this in mind, we have the following security services in place through CU*Answers:
- Each server is behind a Firewall. Hardware products block critical ports and IP addresses on servers from external attack and access.
- Each server runs proprietary software that constantly monitors the servers for unauthorized use and attempts to “hack” into information. Administrators are contacted when forced attacks are committed, and countermeasures can be applied to stop these instances.
- All administrative activity requires user login and authentication. All administrative updates are logged into files that can be reviewed later.
- All servers come with a Global Verisign Certificate (RSA) for digitally encrypted communications between the Web server and your member. Information passed in applications cannot be decrypted by third parties attempting to “pick” information being passed across the Internet backbone.
- All servers run the latest version, considered the strongest and most secure Web server software on the market.
Online Home Banking Disclosure and Agreement
Please read the following disclosure for Gabriels Community Credit Union Online Banking Use Agreement.
Mobile Deposit Service Agreement
Please read the following disclosure for Gabriels Community Credit Union Mobile Deposit Service Agreement.
Truth In Savings Policy
Revised by GCCU Board of Directors February 16, 2009
Early Withdrawal Penalty and Grace Period Information: There is a ten (10) day grace period for withdrawals from this Certificate after it matures. If this Certificate is presented for payment on its maturity date or within ten (10) days thereafter, no penalty shall be imposed but no dividends shall be earned after the maturity date. If this Certificate is to be presented for payment before maturity or more than ten (10) days after maturity, sixty (60) days prior notice must be furnished to the Credit Union. When such prepayment occurs, the prepayment penalty indicated below shall apply:
Gabriels Community Credit Union Fee Schedule