Save, borrow, and belong — once we are chartered to serve you

Privacy Policy

Last updated: August 19, 2026 — Gramm-Leach-Bliley Act (GLBA) notice

Federal Credits Union (“FCU,” “we,” “us”) respects your privacy. This notice describes how we collect, use, and protect nonpublic personal information in accordance with the Gramm-Leach-Bliley Act (GLBA) and applicable state law (including CCPA/CPRA where required).

Information we collect

• Identifying information (name, address, date of birth, government ID)
• Contact and account data you provide in applications or online forms
• Transaction and account history
• Technical data (device, IP, cookies) for security and site function

How we use information

To process membership and loan applications, service accounts, detect fraud, comply with law, and improve member experience. We do not sell personal information.

Sharing

We may share information with service providers under contract, as required by law, or with your consent. Affiliates and joint marketing, if any, will be disclosed in our official privacy notice.

Security

We maintain administrative, technical, and physical safeguards designed to protect member information. No method of transmission over the Internet is 100% secure.

Your choices

You may request access, correction, or deletion of certain personal information where required by law. Marketing opt-out requests can be sent to the contact below.

Contact for privacy requests: info@federalcreditsunion.org · Phone +1 (302) 579-5439

Terms of Service

Last updated: August 19, 2026 — Governing use of this website and related services

By accessing or using this website, you agree to these Terms of Service. If you do not agree, do not use the site. Content is for general information only and does not constitute an offer to lend, a commitment to approve credit, or legal, tax, or financial advice.

Eligibility and accounts

• Loan and deposit services are available only to members (or persons eligible for membership) as defined in our field of membership.
• Approval is subject to underwriting, verification, and applicable federal and state law.

Rates, fees, and calculators

• Rates, fees, and terms may change without notice until locked in a binding agreement.
• Online calculators provide educational estimates only and are not offers of credit.
• Category processing fees and APR will be disclosed before you become obligated on a consumer loan.

Acceptable use

• You may not misuse the site, attempt unauthorized access, scrape content, or submit false information.
• We may suspend access for fraud, security, or legal risk.

Limitation of liability

To the fullest extent permitted by law, Federal Credits Union is not liable for indirect, incidental, or consequential damages arising from use of this website. Some jurisdictions do not allow certain limitations.

Governing law

These terms are governed by the laws of the United States and the State of New York, without conflict-of-law principles, except where federal credit union law controls. Contact: info@federalcreditsunion.org · +1 (302) 579-5439.

Electronic Communications / E-SIGN Consent

By submitting an application or communicating with us electronically, you consent to receive disclosures, agreements, and notices electronically under the Electronic Signatures in Global and National Commerce Act (E-SIGN).

• You confirm you have a device and email/WhatsApp access sufficient to retain copies.
• You may request paper copies or withdraw consent by contacting Member Services; withdrawal may delay processing.
• Hardware/software: current browser, PDF reader, and internet connection.

USA PATRIOT Act Notice (Customer Identification Program)

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or obtains a loan.

What this means for you: When you open an account or apply for credit, we will ask for your name, address, date of birth, and other information that allows us to identify you. We may also ask to see your driver’s license or other identifying documents.

Lending disclosures (Truth in Lending / Reg Z overview)

Before you become obligated on a consumer loan, we will provide required disclosures including Annual Percentage Rate (APR), finance charge, amount financed, total of payments, and payment schedule as applicable.

• Category processing fees (e.g., 3.5% secured / 4.0% unsecured / 4.5% project) are disclosed before closing and may be reflected in APR where required.
• Calculators on this site are educational estimates only and are not offers of credit.
• Final terms depend on creditworthiness, collateral, membership, and underwriting.

NCUA share insurance

Member deposits at Federal Credits Union are designed to be federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per insured credit union, for each account ownership category.

NCUA Charter number: #[CHARTER-PENDING] - replace with your official charter number issued by NCUA (or state regulator if state-chartered).

Verify any credit union at the official NCUA tool: mycreditunion.gov / Research a Credit Union.

This website and marketing materials must not imply NCUA insurance until the credit union is actually chartered and insured.

Membership eligibility (field of membership)

A federal credit union may serve only people and organizations inside the field of membership the NCUA approves. Ours is not yet approved. Do not assume you can join or borrow based on this website alone.

When the charter is issued, membership is expected to include groups such as:

• People connected to approved select employer groups (to be published)
• Immediate family and household members of members
• If a community charter is approved: people who live, work, worship, or attend school in the defined area

Loan applicants must be members (or eligible and join) in good standing. Membership will require purchase of at least one share at par value, which will be disclosed at launch.

Accessibility statement

Federal Credits Union is committed to facilitating the accessibility and usability of this website. We aim to conform to WCAG 2.2 Level AA where feasible, including keyboard access, visible focus states, form labels, and sufficient color contrast.

If you have difficulty accessing any content or feature, contact us at info@federalcreditsunion.org or +1 (302) 579-5439. We will work with you to provide the information or service through a reasonable alternative method.

Complaints & CFPB

We aim to resolve member concerns promptly. Contact Member Services first: +1 (302) 579-5439 · info@federalcreditsunion.org · WhatsApp +1 (302) 579-5439.

You may also submit a complaint to the Consumer Financial Protection Bureau (CFPB): consumerfinance.gov/complaint.

NCUA consumer assistance: mycreditunion.gov.

Equal Housing Opportunity

We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status, marital status, age (provided the applicant has the capacity to enter into a binding contract), receipt of public assistance, or good-faith exercise of rights under the Consumer Credit Protection Act.

Equal Housing Lender. For housing-related credit, the Equal Housing logo and notices will appear on applicable applications and advertisements as required.

NMLS Consumer Access

An NMLS Unique Identifier will be published here when the organization is registered. Confirm any ID on NMLS Consumer Access before relying on it. Nationwide Mortgage Licensing System Consumer Access: nmlsconsumeraccess.org.