Disclosures

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or business that opens an account at this Credit Union. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country. Please speak with a Credit Union staff member if you have any questions or concerns about our identification policies.

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda).

For 2017 and prior, to receive a copy of this data send a written request to:

Freedom First Credit Union

Roanoke, VA 24019

Our EFT disclosure can be found on page 6 of our Membership Agreement.

This is your consent to receive electronic documentation and contains important information concerning the receipt of documentation electronically. Please be certain to read this consent carefully and notify us at once if any parts are unclear.

The full disclosure can be found on page 9 of our Membership Agreement.