Terms & Privacy

Overview

America’s Christian Credit Union (“ACCU,” “we,” “our,” or “us”) is committed to protecting the privacy, confidentiality, and security of member information. This page describes how ACCU collects, uses, maintains, protects, and discloses information obtained through our website, digital banking services, mobile applications, online forms, communications platforms, member interactions, and related financial products and services. By accessing or using ACCU services, websites, communication platforms, or digital tools, you acknowledge and agree to the practices and disclosures described within these Terms, Privacy & Communication Policies.

Policy

America’s Christian Credit Union may collect personal, financial, transactional, technical, and communication-related information necessary to provide financial products, services, member support, fraud prevention, operational processing, and regulatory compliance. Such information may include names, mailing addresses, email addresses, telephone numbers, mobile phone numbers, government-issued identifiers, account information, transaction history, loan and credit information, device identifiers, IP addresses, browser information, login activity, website interaction information, communication records, and other information voluntarily provided to ACCU in connection with financial services or member interactions.

Information collected by ACCU may be used to establish and maintain accounts, process transactions, authenticate identity, support lending and servicing operations, facilitate communications, respond to member inquiries, improve operational performance, analyze website and service functionality, monitor for fraud or unauthorized activity, comply with legal and regulatory obligations, enforce contractual rights, and support other legitimate business purposes permitted by applicable law. ACCU may also maintain records of communications, transactions, website interactions, and service activities for quality assurance, compliance review, training, dispute resolution, operational support, and fraud prevention purposes.

America’s Christian Credit Union does not sell member personal information for monetary compensation. ACCU may share information with authorized service providers, vendors, contractors, technology platforms, analytics providers, communications providers, payment processors, advertising partners, and operational support providers as reasonably necessary to operate ACCU services, facilitate transactions, provide communications, support website functionality, improve service delivery, comply with applicable law, prevent fraud, and support legitimate operational or business functions. Such providers are contractually obligated to safeguard information and may use such information only for authorized business purposes consistent with applicable privacy and security requirements.

ACCU maintains physical, technical, administrative, and procedural safeguards designed to protect personal information in accordance with applicable federal and state laws and regulatory standards. However, no system, website, network, wireless transmission, or electronic communication method can be guaranteed fully secure or uninterrupted.

By voluntarily providing contact information to America’s Christian Credit Union, members authorize ACCU and its authorized service providers to communicate through electronic means including telephone calls, prerecorded or automated communications where permitted by law, SMS/text messaging, MMS messaging, email communications, online banking messages, digital communication platforms, live chat systems, and other electronic communication methods related to accounts, applications, transactions, fraud prevention, operational support, member service interactions, appointment reminders, account servicing, and occasional promotional communications.

America’s Christian Credit Union may collect and maintain mobile phone numbers, device-related information, communication preferences, SMS/MMS messaging history, delivery confirmations, authentication records, call recordings, chat interactions, support communications, and related interaction data when members communicate with ACCU through mobile devices, text messaging platforms, online banking systems, applications, or related digital communication channels. Such information may be used to facilitate authentication and verification services, provide loan and application updates, support member service interactions, deliver operational or account-related notifications, provide fraud and security alerts, maintain communication records, improve service delivery, monitor and prevent unauthorized activity, comply with legal and regulatory obligations, and support ACCU’s internal business and operational functions.

America’s Christian Credit Union may send SMS/text messages related to authentication codes, loan and application updates, appointment reminders, member service conversations, operational support communications, fraud and security notifications, account-related alerts, and occasional promotional communications. Conversational texting functionality may be available only through designated ACCU departments or authorized communication channels. Message frequency may vary depending on member activity, communication preferences, account activity, service requests, and interactions with ACCU. Message and data rates may apply based on wireless carrier plans and service agreements.

America’s Christian Credit Union does not sell, rent, or share consumers’ mobile phone numbers with third parties or affiliates for marketing or promotional purposes. ACCU may share mobile phone numbers, messaging content, communication records, delivery information, and related messaging data only with authorized service providers, carriers, aggregators, platform providers, and technology vendors as necessary to facilitate, deliver, support, secure, monitor, and maintain SMS/MMS communications and related services on behalf of ACCU. Such providers are contractually obligated to protect the confidentiality and security of member information and are prohibited from using such information for their own marketing, advertising, or unrelated commercial purposes. Text messaging originator opt-in data, consent records, and related authorization information will not be shared with any third parties except as necessary to provide the messaging service, enforce ACCU’s legal rights, prevent fraud or unauthorized activity, comply with applicable law, regulation, subpoena, court order, or governmental request, or otherwise as permitted or required by law.

Members may opt out of SMS communications at any time by replying STOP to any text message or by contacting ACCU directly at 1-800-343-6328. Reply HELP for assistance. After opting out, members may receive a final confirmation message acknowledging the opt-out request.

Text messaging and mobile communications may not be secure and could potentially be intercepted, delayed, accessed, or viewed by unauthorized parties or individuals with access to a member’s mobile device. Members should not transmit, and ACCU representatives will never request through SMS or MMS communications, passwords, authentication or verification codes, Social Security numbers, full account numbers, debit or credit card PINs, online banking credentials, or other highly sensitive personal or financial information. If a member receives a text message requesting such information, the member should immediately discontinue the communication and contact ACCU directly through secure or official communication channels.

California residents may have additional rights under the California Consumer Privacy Act (“CCPA”) and California Privacy Rights Act (“CPRA”), including the right to request access to personal information collected by ACCU, request deletion or correction of eligible information, and request additional information regarding ACCU’s collection, use, disclosure, and sharing practices. ACCU may collect categories of information including identifiers, financial information, internet activity information, communication records, device information, geolocation information, and sensitive personal information necessary to provide financial services and support business operations.

Although ACCU does not sell personal information for monetary compensation, certain digital advertising technologies, analytics services, cookies, pixels, and related website technologies may constitute “sharing” under applicable California law for purposes such as website analytics, advertising measurement, audience analysis, or service optimization. California residents may submit privacy requests through the following form:

California Privacy Request Form

or by contacting ACCU directly at 1-800-343-6328.

Mailing Address:

America’s Christian Credit Union
Attention: Privacy
2100 E. Route 66 Suite 100
Glendora, CA 91740

America’s Christian Credit Union websites, online banking services, digital platforms, advertisements, and communication systems may utilize cookies, tracking technologies, analytics tools, pixels, session replay technologies, device identifiers, and related digital technologies to support website functionality, fraud prevention, system security, advertising performance measurement, analytics, communication delivery, service optimization, and user experience improvements. These technologies may collect information relating to browser activity, device characteristics, website usage patterns, interaction history, referring websites, approximate geolocation information, and related technical or diagnostic data.

ACCU may utilize technologies or services provided by third-party vendors including analytics providers, advertising platforms, communications providers, and related service providers in connection with website operations, digital communications, and service delivery. Users may manage certain browser, cookie, or tracking preferences through browser settings, device privacy settings, or applicable website tools. Disabling certain technologies may affect website functionality or service availability.

America’s Christian Credit Union maintains security programs, monitoring systems, authentication controls, fraud prevention technologies, and operational safeguards designed to protect member information, accounts, communications, and transactions from unauthorized access, misuse, disclosure, alteration, or destruction. ACCU may monitor transactions, communications, devices, login activity, digital interactions, and account activity to identify, investigate, prevent, or mitigate fraud, suspicious activity, identity theft, cybersecurity incidents, or unauthorized access attempts.

Members are responsible for safeguarding account credentials, maintaining the security of personal devices, monitoring account activity, and promptly reporting unauthorized transactions or suspicious communications. ACCU representatives will never request passwords, authentication codes, Social Security numbers, or online banking credentials through unsecured communication channels including SMS or email.

Phone calls, SMS communications, online chats, and other interactions with ACCU may be monitored or recorded for quality assurance, compliance, fraud prevention, security monitoring, training, and operational purposes.

America’s Christian Credit Union is committed to providing digital experiences accessible to all individuals, including persons with disabilities. ACCU continually works to improve website usability, accessibility standards, and digital functionality consistent with applicable accessibility laws and recognized accessibility guidelines. Individuals experiencing accessibility barriers or requiring assistance accessing digital content or services may contact ACCU directly at 1-800-343-6328 for support.

By accessing or using ACCU websites, online banking platforms, communication systems, or digital services, users agree not to misuse ACCU systems, attempt unauthorized access, interfere with website operations, introduce malicious code, engage in fraudulent activity, violate applicable laws, or use ACCU services in any manner that may impair the security, availability, integrity, or operation of ACCU systems or services.

ACCU websites and communications may contain links to third-party websites, platforms, or services not owned or controlled by America’s Christian Credit Union. ACCU is not responsible for the privacy practices, security, content, accuracy, or availability of third-party websites or services.

America’s Christian Credit Union reserves the right to modify, suspend, restrict, or terminate access to digital services, communications platforms, or website functionality at any time without prior notice where necessary to maintain security, comply with legal obligations, prevent fraud, support operational requirements, or enforce applicable terms and conditions.

America’s Christian Credit Union
America’s Christian Credit Union

2100 E. Route 66 Suite 100
Glendora, CA 91740

Member Contact Center: 1-800-343-6328

California Privacy Requests:
CCPA Privacy Request Form

These Terms, Privacy & Communication Policies may be updated periodically without prior notice. Updated 5/8/2026.