FIRST PACE Credit Union provides credit union services designed specifically to meet the unique financial needs of our members and their families.

Unlike a bank, we are a not-for-profit, member-owned financial institution. That means, instead of profits going to stockholders, we return our earnings to our members in the form of higher savings rates, lower loan rates, and fewer and lower fees. And each member account is insured to at least $100,000 by the National Credit Union Administration.

We give our products and services a personal touch, with the basic credit union philosophy of members helping members achieve financial success. We provide a wide range of services to help, either directly or through our CUSO (Credit Union Service Organization) CU Companies.

We are a member of the Minnesota Credit Union Network, receiving regulatory and legal guidance from them. They also provide us with invaluable assistance on networking with other credit unions for products and services, educational seminars and political legislation to ensure the prosperity of credit unions. To learn more about Minnesota credit unions, find a credit union to join or to become politically involved, visit their website at www.mncun.org.

Privacy Notice
FIRST PACE Credit Union is committed to providing you with financial products and services to meet your needs and help you reach your financial goals. We are required by law to give you this privacy notice. If after reading this notice you have any questions, please contact us at 651-451-8495.

What follows is a description of the information we collect and disclose, including the parties who receive nonpublic information from us, as permitted by law, to conduct the business of the credit union.

Categories of Information We Collect
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information we receive from a consumer reporting agency

Categories of Information We Disclose & Parties to Whom We Disclose
We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law.

Confidentiality and Security
We restrict access to nonpublic personal information about you 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.

What Members Can Do to Help
Your Credit Union is committed to protecting the privacy of its members. You, our member, can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen.

• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware.Official credit union staff will have access to your information and will not need to ask for it.

• Keep Your Information With Us Current. It is important that we have current information on how to reach you. If we detect potentially fradulent or unauthorized activity or use on an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.