Privacy Policy & Disclosures
What Does Houston Highway Credit Union Do with Your Personal Information?
This section outlines how we collect, use, and protect your information, as well as your rights as a member. We encourage all members to review these documents carefully. If you have questions or need clarification, our team is here to help.
What does HHCU do with your personal information facts:
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.
What?
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 account balances
- Credit history and credit scores
- Income and payment history
- When you are no longer our member, we continue to share your information as described in this notice
How?
All financial companies need to share members’ personal information to run their everyday business. Below is a table outlining what we share and what you can limit:
| Reasons we can share your personal information | Does HHCU share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes | Yes | No |
| For our marketing purposes | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – transactions and experiences | No | We don’t share |
| For our affiliates’ everyday business purposes – creditworthiness | No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| For nonaffiliates to market to you |
How we protect your information:
We use security measures that comply with federal law — including computer safeguards and secured files and buildings — to protect your personal information from unauthorized access and use.
How do we collect your information?
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or debit card
- We may also collect it from credit bureaus, affiliates, or other companies
Why can’t I limit all sharing?
Federal law only gives you the right to limit:
- Sharing for affiliates’ everyday business purposes — creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State law and individual companies may give you additional right
Definitions:
Affiliates: Companies related by common ownership or control. Houston Highway Credit Union has no affiliates.
Nonaffiliates: Companies not related by common ownership or control. HHCU 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. HHCU’s joint marketing partners include CUNA Mutual Group’s MEMBERCONNECT.
Disclosures
Trust and respect are just a couple of words we live by at HHCU. As a valued member, you’re more than an account. Our Membership Agreement and Disclosures outline the terms, conditions, and responsibilities that come with being a member of our credit union. These documents are designed to help you make informed decisions and understand how we protect your rights and handle your financial transactions.
Credit Union Dept. Complaint Information
We want to help you any way we can. If you have a complaint, please don’t hesitate to tell us. HHCU values continual growth for our members.
(there was a pdf on their website so I assume will keep that?)
USA Patriot Act
In accordance with the USA PATRIOT Act, HHCU is required to verify the identity of all members to help prevent fraud, money laundering, and terrorist financing. This federal law helps keep our financial system safe and secure for everyone.
What this means for you:
When you open an account or access certain services, we will ask for identifying information such as your name, address, date of birth, and government-issued identification.
We may also ask you to provide additional documentation to verify your identity.
This process helps us confirm you are who you say you are and protect your accounts from unauthorized access.
Questions?
If you have any questions about these requirements or how your information is protected, please contact us at: 713.864.4438 or toll-free at 800.354.3541.
Availability of Documents
HHCU believes in being transparent with our members. Upon request, any of our members are entitled to see and review our most recent version of our documents.
What documents are available?
- Balance sheet and income statement.
- A summary of the most recent annual audit.
- The written board policy regarding access to the articles of incorporation, bylaws, rules, guidelines, board policies, and copies thereof.
Choose Houston Highway Credit Union
Need To Get In Touch With Us?
Phone: 713-864-4438 or
1-800-354-3541
Fax: 713-864-1714
Houston Highway Credit Union
8120 Washington Avenue
Houston, TX 77007
