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.


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 income
  • account balances and payment history
  • credit history and credit scores


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 customers’ personal information; the reasons First Central Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does First Central Credit Union 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



For our marketing purposes–
to offer our products and services to you

Yes No

For joint marketing with other financial companies

Yes Yes

For our affiliates’ everyday business purposes–
information about your transactions and experiences

No We don't share

For our affiliates’ everyday business purposes–
information about your credit worthiness

No We don't share

For our affiliates to market to you

No We don't share

For nonaffiliates to market to you

No We don't share

To limit our sharing

  • Call 254-776-9333 or 800-780-7101 – our menu will prompt you through your choices(s) Select Member Services or
  • Mail the form below

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 800-780-7101 or www.firstcentralcu.com


Mail in Form


Mark any/all you want to limit:

  •  Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
  •  Do not allow your affiliates to use my personal information to market to me.
  • Do not share my personal information with nonaffiliates to market their products and services to me.



City, State, Zip

Account #

Mail to:
First Central Credit Union
PO Box 21809
Waco, TX

Who we are
Who is providing this notice First Central Credit Union
What we do

How does First Central Credit Union 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. We maintain physical, electronic, and procedural safeguards that comply with Federal regulations to guard your nonpublic personal information.

How does First Central Credit Union collect my personal information?

We collect your personal information, for example, when you

  •  open an account or apply for a loa
  •  make deposits or withdrawals from your account
  • make a wire transfer or give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.]


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.



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

  • First Central Credit Union does not have any affiliates.



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

  • First Central Credit Union does not share with nonaffiliates 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 investment, insurance, and other financial services companies.

Other important information



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