Privacy Policy

Effective: January 1, 2026 · Last Updated: May 6, 2026

Corning Credit Union ("CCU," "we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, share, and protect information when you interact with our website at corningcreditunion-us.co.com, our mobile banking application, or our branch and telephone services.

1. Information We Collect

We collect personal information in the following categories:

Identity Information: Name, date of birth, Social Security number or ITIN, government-issued ID details
Contact Information: Mailing address, email address, phone number
Financial Information: Account numbers, transaction history, credit history, income information, asset and liability details
Device and Usage Information: IP address, browser type, pages visited, time on site, referring URLs (collected automatically when you use our website or app)
Communication Records: Records of phone calls, emails, and in-person communications with CCU staff

2. How We Use Your Information

To open and manage your CCU accounts and process transactions
To review and process loan applications and credit card applications
To comply with federal and state regulatory requirements (including NCUA, BSA/AML, FinCEN)
To detect, prevent, and respond to fraud, identity theft, and security threats
To provide member support and communicate account information
To improve our digital services and website functionality
To send required regulatory notices and account disclosures

3. Information Sharing

We do not sell your personal information to third parties for marketing purposes. We may share information:

With service providers who perform functions on our behalf (payment processors, IT providers, credit bureaus) under confidentiality agreements
As required by law, regulation, or court order
With regulatory authorities including the NCUA, IRS, and law enforcement when legally required
With your explicit consent

CCU adheres to the federal Gramm-Leach-Bliley Act (GLBA) privacy requirements. You have the right to opt out of certain information sharing with non-affiliated third parties for marketing purposes — contact us to exercise this right.

4. Cookies and Tracking

Our website uses essential cookies (required for site functionality) and optional analytics cookies (to understand how visitors use our site). You can decline non-essential cookies via the cookie banner displayed on your first visit. We do not use third-party advertising cookies or cross-site tracking technologies.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including 256-bit SSL encryption for all web and mobile transactions, multi-factor authentication options, regular security assessments, and staff training on data handling. However, no electronic transmission or storage system is 100% secure. We encourage members to use strong passwords and enable two-factor authentication.

6. Your Rights

Depending on applicable law, you may have the right to:

Access the personal information CCU holds about you
Request correction of inaccurate information
Request deletion of information we are not legally required to retain
Opt out of certain information sharing
Receive a copy of your data in a portable format

To exercise any of these rights, contact our Privacy Officer at [email protected] or call (607) 962-6900.

7. Data Retention

We retain personal information for as long as your membership is active and for the period required by applicable law and regulation thereafter (typically 7 years for most financial records). Device and usage data from website visits is retained for 26 months.

8. Children's Privacy

Our website and services are not directed to children under 13. We do not knowingly collect personal information from children under 13 without parental consent. Youth accounts require parental/guardian co-ownership.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated to members via email and posted on this page with an updated effective date. Your continued use of CCU services after changes are posted constitutes acceptance of the updated policy.

Contact Our Privacy Officer

Privacy Officer · Corning Credit Union
90 Crystal Lake Rd, Corning, NY 14830
Phone: (607) 962-6900
Email: [email protected]