Privacy & Information Practices

Understanding how we collect, use, share and protect your information.

 

 

Prime Financial 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.

Your Information at the Credit Union

Our Privacy Policy discloses why, what, and how we utilize your personal information. (Rev. 10/2024)

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
  • Credit History
  • Income
  • Credit Card or Other Debit
  • Credit Score
  • Employment Information

How?

All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Prime Financial Credit Union
chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Prime Financial CU 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 & experiences

 Yes No
For our affiliates' everyday business purposes-
information about your creditworthiness		 Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don't share
SMS consent or phone numbers for the purpose of SMS with third parties No We don't share

To limit our sharing

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, 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 800.835.9680 or go to www.primefinancialcu.org

Who we are

Prime Financial Credit Union

What we do

How does Prime Financial CU protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Prime Financial CU collect my personal information?

We collect your personal information, for example, when you:

  • Open an account
  • Apply for a loan
  • Show us your government-issued ID
  • Provide your employment information
  • Give us your income information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all 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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Shared Service Centers
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Prime Financial Credit Union does not share with non-affiliates so they can market to you.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include, credit card companies, mortgage companies and insurance companies.

 

Other Important Information
PFCU MYCARD periodically collects, transmits and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if the End User expressly authorizes collection of such information. Geolocation Information can be monitored on a continuous basis in the background only while the app is being used or not at all, depending on the End User’s selection. The End User can change his/her/their location permissions at any time in their device settings.

You can view and print Prime Financial CU's Privacy Policy here:

Prime Financial CU Privacy Policy

Effective 10/2024

Your Information on Our Website

Information We Collect

We collect two types of information when you interact with our website or mobile app: personally identifiable information (PII) and non-personal information.

1. Personally Identifiable Information (PII)

We may collect PII when you:

  • Submit an application for a financial product or service

  • Enroll in online banking or other services

  • Apply for employment

PII may include your name, address, phone number, email address, Social Security Number, financial and employment details, or other personal data necessary to process your request. All PII you provide through secure forms on our website or app is protected and only used for its intended purpose. We do not gather PII to sell or use for remarketing.

2. Non-Personal Information

When you browse our site, we may collect technical and usage data, such as:

  • Device and browser type

  • IP address and general location

  • Pages visited and actions taken on our site

This information helps us improve performance and does not identify you personally.

How We May Use Your PII

We may use your information to:

  • Process applications and service requests

  • Authenticate your identity and secure your accounts

  • Provide and improve our digital services

  • Communicate service-related information

  • Consider you for employment (if applicable)

Use of Cookies and Analytics

We use cookies and similar technologies to:

  • Analyze website usage

  • Enhance functionality and personalization

  • Support advertising on third-party platforms based on site behavior

These tools do not collect or use your PII. They help us deliver more relevant content without personally identifying you.

Remarketing

We may use anonymous behavioral data (such as which pages you viewed) to deliver relevant advertisements through online advertising platforms. Remarketing does not use PII obtained from applications or forms on this website or by other means. 

Email Security

To protect your personal information, Prime Financial Credit Union strongly advises you not to send sensitive data via email, including:

  • Account numbers

  • Social Security & Tax Identification Numbers

  • Passwords or login credentials

  • Other confidential or financial details

Email is not a secure method of communication and should not be used to submit personal or financial information. If you need to provide sensitive details, please use our secure online forms, mobile app, or contact us directly by phone or in person.

Third-Party Links

Our website may link to third-party sites for your convenience. These sites are not governed by our privacy practices, and we encourage you to review their policies before providing information. Prime Financial Credit Union neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any third-party site.

Data Security

We employ physical, technical, and administrative safeguards to protect your information. Access is limited to employees and partners with a legitimate business need.

Your Choices

You can manage certain marketing preferences:

  • Disable or customize cookie settings in your browser, but doing so may affect the functionality of the website.

Contact Us

If you have questions or concerns about your privacy or our practices, please contact:

Prime Financial Credit Union
5656 S. Packard Ave.
Cudahy, WI 53110
Phone: 414.486.4500

Please also refer to our Privacy Policy for more information.

Effective 05/2025

Prime Financial Credit Union Mobile Messaging Privacy Policy

Effective: 09/2026

This policy explains how Prime Financial Credit Union ("we," "us") handles information related to our SMS and RCS text-message program, which is provided in partnership with equipifi.

Consent

You opt in to receive text messages from Prime Financial Credit Union by consenting inside our authenticated online or mobile banking application. Consent is not a condition of any purchase or of obtaining any product or service.

Types of messages and frequency

We send account-notification messages about your Buy Now, Pay Later (BNPL) activity — for example, purchasing-power alerts, split-eligible-transaction alerts, and payment reminders. Message frequency varies based on your account activity.

Message and data rates

Message and data rates may apply, depending on your mobile carrier and plan.

How to opt out or get help

You can opt out at any time by replying STOP to any message; we will send one confirmation and then stop messaging you unless you opt back in. Reply HELP for help, or contact us at [email protected] or 414.486.4500.

How we use and share your information

We use your mobile phone number solely to deliver the messages described above. We do not sell, rent, or share your mobile phone number or your SMS/RCS opt-in consent with third parties or affiliates for their marketing or promotional purposes. We share this information only with service providers (such as our messaging platform) that help us operate the program, and only as needed to deliver these messages.

More information

For details on how we handle your personal information generally, see our full privacy policy at www.primefinancialcu.org/privacy-policy.

Prime Financial Credit Union Mobile Messaging Terms

Effective 09/2026

Program description

By opting in inside our authenticated banking application, you agree to receive recurring account-notification text messages from Prime Financial Credit Union about your BNPL activity. The program is provided in partnership with equipifi.

Cost and frequency

Message frequency varies based on your account activity. Message and data rates may apply.

Opt-out and help

Reply STOP to any message to unsubscribe; reply HELP for help. You may also contact [email protected] or 414.486.4500. Supported carriers are not liable for delayed or undelivered messages.

Privacy

Your information is handled as described in our Mobile Messaging Privacy Policy and our full privacy policy at www.primefinancialcu.org/privacy-policy. We do not sell, rent, or share your mobile phone number or opt-in consent with third parties or affiliates for marketing purposes.