We take guarding your privacy seriously.

You can learn more about LOC Credit Union does with your personal information by reviewing our Privacy Policy below.

FACTS What does LOC 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 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

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

How? All financial institutions 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 LOC Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does LOC Share? Can you limit the 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


For our marketing purposes—to offer our products and services to you Yes


For joint marketing with other financial companies 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 creditworthiness No

We don't share

For nonaffiliates to market to you No

We don't share

What We Do
How does LOC Credit Union protect my personal information? We restrict access to your personal and account information to those employees who need to know the information to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information.
How does LOC Credit Union collect my personal information? We collect your personal information, for example, when you:
  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or debit card
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
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • LOC Credit Union does not share with our affiliates so they can market to you.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • LOC Credit Union does not share with our 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.

Online Privacy Statement

As with any major website, LOC tracks how visitors use our website in an effort to create the best online experience possible for you.  This may involve the use of cookies and tracking pixels, also commonly known as web beacons.

A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the website again, the cookie allows that site to recognize your browser. Cookies may store user preferences and other information. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some of our website features or services may not function properly without cookies.

Tracking pixels usually work in conjunction with cookies and is a type of technology placed on a website or for the purpose of tracking activity. Like cookies, information collected by pixels is anonymous and does not include identifiable customer or personal information.

Cookies are safe, and there are no known cases of cookies being used to introduce or spread computer viruses. While a browser may save cookies to your hard drive, a cookie cannot be used to access your hard drive nor can they be used to reveal anything about you that you have not chosen to enter as a user on a site.

Through the use of cookies and tracking pixels, LOC and its third-party advertising partners may collect information from visitors to our website, such as date and time of visit, IP addresses, demographic information, pages visited, the browser used, etc.  This type of information is used for analytical, measuring advertising effectiveness and troubleshooting purposes.

If you do not wish to receive cookies, you can set your browser to alert you of a cookie being offered or to reject all cookies. You can also turn cookies back on if your login is not recognized. Just go to the help function on your browser for complete instructions.

The Digital Advertising Alliance website contains important information on cookies, behavioral advertising, and what opting out will and will not do and choices you can make regarding interest-based advertisements. If you do not wish to have us and/or our third party advertising partners know which advertisements and subsequent websites you have viewed, you may opt-out at AboutAds (established by the Digital Advertising Alliance).

Your Email Address / Mobile Phone Number

LOC Credit Union will never request that you send personal information via email unless you are using the Message Center feature in online or mobile banking. When you receive an email from LOC, it should use the @loccreditunion.com format, with the exception of eStatement notifications which use LOCFCU@email.mystatement.org .  We also do not sell your email address.

If you receive a suspicious email that says it's from LOC Credit Union, do not respond, open any attachments or click on any links.  This is more likely than not an unauthorized attempt to gain access to your personal information for purposes of fraud or infect your computer with a virus or malware.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.


We may use the email you provide to us for marketing purposes, and you are able to unsubscribe from these emails if you wish.

Additional Details

Online Tools

In an effort to help you make decisions about your finances, LOC may make available on our site financial tools, such as online calculators.  These tools are to be used for illustration purposes only, and we do not save the information you enter into them. Likewise, we do not make any guarantees as to the accuracy of the results when you use these tools.

Social Media

LOC maintains a presence on social media sites.  You are encouraged to follow us on social media. Remember that any information you share is visible to all who participate on these sites, and you should never post, provide or send confidential information.  As with any third party site, the privacy policies may differ from LOC'S, and you are encouraged to review them if you have concerns.  

Third-Party Site Linking

For purposes of providing you additional products, services and consumer information, LOC may partner with third-parties and link to their sites from locfederal.com.  Even though the site may be co-branded with the LOC Credit Union logo, you should know that third-party sites may have different online security and privacy practices. When we provide a link to a third-party website, we will notify you that you are leaving a website under our direct control and subject to our policies.

Children’s Privacy Online

The information, products and services on loccreditunion.com are intended for audiences 13 and older, and we do not knowingly solicit, collect, or use personal information from children under 13.


Go to main navigation