LLCU WEBSITE ADMINISTRATION POLICY
YOUR RIGHT TO FINANCIAL PRIVACY
You can be confident that your financial privacy has always been a top priority at Land of Lincoln Credit Union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal information. If you have any questions, please contact us.
WE DISCLOSE INFORMATION ABOUT YOU ONLY AS PERMITTED OR REQUIRED BY LAW
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. These disclosures typically include information to process transactions on your behalf, to conduct the business and operations of our credit union, to follow the instructions as you or your legal representatives may authorize, to provide information as required by law, or to protect the security of our financial records. If you decide to terminate your membership or become an inactive member, we will continue to adhere to the privacy policies and practices as described in this notice.
OUR SERVICE COMMITMENT TO YOU
We are committed to providing you with excellent service, convenient access to your accounts, and competitive products to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to our credit union or additional financial products for you to consider. We may disclose part or all the information we collect, as described below, to companies that perform marketing or other services on our behalf, or to other financial institutions with whom we have joint marketing agreements. Upon linking to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site. We make every effort however, to ensure that all linked sites follow similar privacy policies as ours to offer you maximum security and privacy.
INFORMATION WE COLLECT ABOUT YOU
We collect both publicly available information and non-public personal information about you that includes the following:
- Information we receive from you on applications and other forms;
- Information about your transactions with us, our affiliates, or others;
- Information we receive from consumer reporting agencies;
- The date and time of your visit to our website;
- The pages and documents that you view on our website;
- The URL of the website that you visited prior to ours;
- The name of the domain that you use to access the Internet;
- The type and version of your web browser and operating system;
- The type of device you are using to access our site; and
- Your location at the time of your visit
We do not use this information to identify individuals. We aggregate the information about our website visitors and use the aggregated information to improve our website and provide a better user experience to our visitors. We look at things like average duration of a visit, “bounce rate” (the percentage of visitors who leave our site after viewing only one page), and the most frequently visited pages. The aggregated information is available only to web managers and other designated staff who need it to perform their official duties. It is retained only for as long as needed for proper analysis.
WE WILL PROTECT THE CONFIDENTIALITY AND SECURITY OF YOUR RECORDS
Our employees are trained in the importance of maintaining confidentiality and member privacy. We restrict access to nonpublic personal information about you to those persons who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with state and federal regulations to safeguard your nonpublic personal information.
WE WILL PROTECT CHILDREN ONLINE
We are committed to the protection of children’s online privacy. Although some sections of our website may occasionally offer educational third-party links designed for children, we only partner with vendors that do not collect personal information from any visitors of their sites.
Land of Lincoln Credit Union strives to provide accessible services to all that meet ADA standards and guidelines. We work continuously to ensure that our website and facilities are accessible and usable to everyone. If you are using a screen-reader or other auxiliary aid and are experiencing usage problems with our website, please contact us at 1-844-222-7788. To improve your web experience, we recommend utilizing your operating system or browser’s native accessibility tools. We continue to monitor and update our website and online banking systems to provide great accessibility. Our facilities and ATM centers include accessibility features such as handicap parking spaces, braille instructions, headset jack at ATM machine, accessible teller windows and accessible entrances. Members experiencing difficulties entering our locations are welcome to call 1-844-222-7788 to request assistance. Service animals are welcome. If you have any suggestions for areas of needed improvement, we welcome your thoughts. Please email us at firstname.lastname@example.org or call us toll free at 1-844-222-7788.
NCUA and ESI
NATIONAL CREDIT UNION ADMINISTRATION (NCUA) DEPOSIT INSURANCE
The shares in your credit union are insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of NCUA. Established by Congress in 1970 to insure member share accounts at federally insured credit unions, the NCUSIF is managed by NCUA under the direction of the three-person NCUA Board. Your share insurance is similar to the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC). Share accounts in federally insured credit unions are insured up to $250,000. Generally, if a credit union member has more than one account in the same credit union, those accounts are added together and insured up to $250,000.
As a member of an insured credit union, you do not pay directly for your share insurance protection. Your credit union pays into the NCUSIF a deposit and an insurance assessment based on the total amount of insured shares and deposits in the credit union. There are exceptions. You may obtain additional insurance coverage on multiple accounts, if you have different ownership interests or rights in different types of accounts and you properly complete account forms and applications. For example, a regular share account is insured up to $250,000 and an individual IRA account at the same credit union is insured up to $250,000. However, if you have a regular share account, share certificate account and share draft account, all in your own name, you will not have additional coverage. Those accounts will be added together and insured up to $250,000 as your individual account.
EXCESS SHARE INSURANCE
Member savings in this credit union are now protected up to $500,000, the highest level of combined federal/private share savings insurance available. This coverage has become available through the addition of excess coverage from the Excess Share Insurance Corporation (ESI).
LLCU now provides $250,000 in deposit coverage on top of the federal government's $250,000. And because Individual Retirements Accounts (IRAs) are insured separately, they are now protected up to $500,000 as well. So, by maintaining your non-retirement savings and your IRA at the credit union, you may now have a combined savings insurance of $1,000,000. ESI is a wholly-owned subsidiary of American Share Insurance (ASI), the nation's largest private deposit insurer, and insures only credit unions meeting its high standards. If you would like more information about share savings insurance on your accounts, please contact us or visit the ESI website at www.excessshare.com.
To review our Fee Schedule, click here.