In order to comply with the USA Patriot Act, Missouri Credit Union is required to verify the identity of current and non-members applying for and opening new accounts or services with the credit union. Information we are required to obtain include name, mailing and residence address, tax identification number, date of birth and copy of a government issued photo ID (identification).
Additional data may also be gathered depending on the type of account applied for or opened. Data on existing members will be gathered as they open or use additional services offered by the credit union. The Act requires us to maintain records of the identification verification and periodically update this information.
Confidentiality of the information will be maintained as required by law.
If you would like to join Missouri Credit Union and qualify for membership, here's what we request that you do:
You promise that everything you have stated in this Pre-Qualify for Home Loan request is correct to the best of your knowledge. You authorize the credit union to obtain credit reports in connection with this request. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information on requests made to Federal Credit Unions or State Chartered Credit Unions insured by the NCUA. You acknowledge that this is not an application for credit.
You understand that you will have to complete an application with us and fulfill all of the requirements of the application before we will consider that an application has been made to us and before we will extend to you a loan offer.
Keeping your information confidential and secure is as important to us as it is to you. Please be aware that any e-mails you send are not secure. Please do not e-mail any confidential information such as passwords, account numbers, credit card information or social security numbers. That type of information should be provided to us by phone, fax or regular mail.
Data on the MCU Web servers is secure and protected. Our staff is trained to treat member information with the utmost confidentiality.
MCU keeps the user information secure via Secure Sockets Layer (SSL) and other types of encryption. This protection extends to feedback forms, product order forms and other online forms asking for personal information. Microsoft and Netscape browsers, version 4.0 and above, support such security protocols. Although we have taken these steps to ensure that your personal information is delivered and disclosed only to us, we cannot guarantee that it could not be intercepted by others.
We do not warrant that the information contained in this Web site is at all times accurate and reliable; an error sometimes occurs. We expressly disclaim any obligation to update the contents of this Web site or to maintain uninterrupted access to this Web site.
This Web site may contain hyperlinks to other sites created and maintained by other organizations. MCU does not regularly review materials posted on these linked sites and does not endorse the owners of such linked sites, or the products or materials appearing on such linked sites. Any decision of Web site visitors to view any of the linked Web sites is at their own risk.
We are not responsible for any errors or delays in responding to a Pre-Qualify for Home Loan form caused by incorrect information provided by you or by other technical problems beyond our reasonable control.
As a condition of your use of the MCU Web site, you warrant to MCU that you will not use the MCU Web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the MCU Web site in any manner which could damage, disable, overburden, or impair the MCU Web site or interfere with any other party's use of the MCU Web site.
The availability of any logos, graphics, or icons through this Web site shall under no circumstance constitute a transfer of any copyrights, trademarks, or other intellectual property rights of us to any Web site user or third party. The Missouri Credit Union logo may not be copied, imitated, or used without the express prior written permission of Missouri Credit Union. Other products and companies referred to on our Web site are trademarks or registered trademarks of their respective companies.
All contents of this website are: Copyright © 2015 Missouri Credit Union. All rights reserved.
I accept the term of this disclosure.