FACTS What does Michigan Educational Credit Union do with your personal information?
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.

The types of personal information we collect and share depend on the products 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

When you are no longer our member, we may continue to share your information as described in this notice.

How? All financial companies need to share members' and other non-member consumers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' and other non-member consumers’ personal information; the reasons MECU chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does Michigan Educational Credit Union share? Can you limit this sharing?
For our everyday business purposes: such as to process your transaction, maintain your accounts(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 and experiences NO N/A
For our affiliates' everyday business purposes: information about your creditworthiness NO N/A
For nonaffiliates to market to you NO N/A


Who we are
Who is providing this notice? Michigan Educational Credit Union (MECU)


What we do
How does Michigan Educational 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 and buildings. Encryption technology is used to keep your financial information safe.
How does Michigan Educational Credit Union collect my personal information?

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

  • open an account or apply for a loan
  • pay your bills or deposit money
  • use your credit or debit card

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 credit worthiness
  • 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.



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

Michigan Educational Credit Union has no affiliates.


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

Michigan Educational 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 insurance companies and mortgage companies.

Other important information
You agree to share this Privacy Disclosure with all joint owners, joint borrowers and guarantors.

The MichEd CardNav app periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send 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 Solution is being used or not at all, depending on the End User’s selection. End Users can change their location permissions at any time in their device settings.


Questions? Call 734-455-9200

Last Revised 07/2021

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