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About
Richland Federal Credit Union
Needing a helping hand, not a handout, 52 enterprising individuals signed on to establish a new federal credit union in Sidney, MT on March 21, 1939. It was the midst of the Great Depression, and many local families of modest means were unable to get credit from existing financial institutions. Today, RFCU has grown to 13 employees serving 4,250 members and offering a wide range of financial services from farm operating loans, to school loans, to retirement savings, to VISA accounts, real estate loans, and share drafts.
Mission
Statement
Our
credit union is a member-owned and controlled financial cooperative
existing to provide the best financial services on behalf of
our members, and to maintain stable, long-term financial growth.
Vision
Statement
We envision Richland Federal Credit Union to be the financial institution of choice in our communities, now and in the next millennium, by maintaining Credit Union philosophy and soundness, with a driving force to constantly improve and adapt to future technological needs by assisting our members in managing their finances efficiently, providing our personal touch and high quality, cost effective products and services while strengthening the heritage of People Helping People.
Membership
Eligibility
All persons who reside in Richland or Roosevelt County, Mont., or within 25 miles of Sidney, Mont.; unremarried spouses of persons who died while within the field of membership of this credit union; employees of this credit union; members of their immediate families; and organizations of such persons.
Once
a member, always a member, with the same rights and privileges
of those members, or as provided for in Article II, Section Five
of the Federal Credit Union Bylaws.
Privacy
Notice
Richland Federal Credit Union is owned by its members and run
by a board of directors you elect. You can be confident that
your financial privacy is a top priority of this credit union.
We are required by law to give you this privacy notice to explain
how we collect, use, and safeguard your personal financial information.
If you have any questions, please contact a member service representative
at 406-482-2704.
We
are committed to providing you with competitive products and
services to meet your financial needs, which necessitates that
we share information about you to complete your transactions
and to provide you with certain financial opportunities. In order
to do so, we have entered into agreements with other companies
that provide either services to us or additional financial products
for you to consider.
Under
these arrangements, we may disclose all of the information we
collect, as described in this notice, to companies that perform
marketing or other services on our behalf or to other financial
institutions with whom we have joint marketing agreements. To
protect our members' privacy, we only work with companies that
agree to maintain strong confidentiality protections and limit
the use of information we provide. We do not permit these companies
to sell to other third parties the information we provide to
them.
Information
We Collect and Disclose About You
We collect and may disclose nonpublic personal information about
you from the following sources:
- Information
we receive from you on applications or other forms, such as your
name, address, social security number, assets, and income.
- Information
about your transactions with us, or others, such as your account
balance, payment history, parties to transactions, and credit
card usage; and
- Information
we receive from a consumer reporting agency, such as your creditworthiness
and credit history.
- Information
obtained when verifying the information you provided on an application
or other forms, such as from your current or past employers or
from other institutions where you conduct financial transactions.
When
may also disclose information we collect about you under other
circumstances as permitted by law. These disclosures typically
include information to process transactions on your behalf, conduct
the operations of the Credit Union, follow your instructions
as you authorize, or protect the security of our financial records.
If
you terminate your membership with Richland Federal Credit Union,
we will continue to adhere to the privacy policies and practices
as described in this notice.
How
We Protect Your Information
Richland Federal Credit Union restricts access to your personal
and account information to those employees who need to know that
information to provide products or services to you. We maintain
physical, electronic, and procedural safeguards that comply with
federal regulations to guard your nonpublic personal information.
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