Join Integra First Federal Credit Union
Integra First Federal Credit Union serves anyone who lives, works, worships or attends school in, and other legal entities located in, Delta, Dickinson & Menominee County, Michigan and Florence & Marinette County, Wisconsin.
Members must open a share account with a minimum deposit of $5.00 which serves as the basic membership account. Once a prime share account is opened, as a member you may enjoy all of the Credit Unions services.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
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.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
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New Privacy Rule
Under the CFPB’s privacy notices final rule, credit unions will be able to post annual privacy notices online instead of distributing an annual paper copy to each individual member, if the credit union satisfies the following conditions:
1. The credit union does not share its members’ nonpublic personal information with nonaffiliated third parties in a manner that triggers Gramm-Leach Bliley Act (GLBA) opt-out rights;
2. The credit union does not include on its annual privacy notice information about certain consumer opt-out rights under section 603 of the Fair Credit Reporting Act (FCRA);
3. The credit union’s annual privacy notice is not the only notice provided to satisfy the requirements of section 624 of the FCRA;
4. The information included in the privacy notice has not changed since the member received the previous notice; and
5. The credit union uses the model form provided in GLBA’s implementing Regulation P.
Credit unions that meet the conditions above and that choose to rely on this new method of delivering privacy notices are also required to:
1. Convey at least annually on a regular consumer communication, such as a monthly billing statement, that the credit union’s privacy notice is available on its website and in paper and will be mailed upon request made to the provided toll-free number. This notice or disclosure would have to also include a specific web address that takes the member directly to the privacy notice;
2. Post the credit union’s current privacy notice continuously on a page of its website that contains only the privacy notice, without requiring a login or any conditions to access the page; and
3. Promptly mail (within 10 days) the credit union’s current privacy notice to consumers who request it by telephone.
If the credit union does not meet the conditions above or chooses not to use the new disclosures method, it will need to continue to deliver annual privacy notices to its members using other delivery methods.