Important Account Disclosures

We Do Business in Accordance With Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or to deny any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC 20410

For processing under the Federal Fair Housing Act and to:

National Credit Union Administration
Office of Consumer Protection
Alexandria, VA 22314-3428

For processing under NCUA Regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

• On the basis of race, color, national origin, religion, sex, marital status, or age;
• Because income is from public assistance; or
• Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

National Credit Union Administration
Office of Consumer Protection
Alexandria, VA 22314-3428

US Department of the Treasury,
Director, Office of Civil Rights and
Equal Employment Opportunity
1500 Pennsylvania Ave, NW
Washington DC 20220
202-622-1160
crcomplaints@treasury.gov

As part of processing your application for a real estate loan, we may request a consumer report bearing on your creditworthiness, credit standing and credit capacity. This notice is given pursuant to the Fair Credit Reporting Act of 1970, Section 601 to Section 622, inclusive. You are entitled to the information contained in your credit report within 60 days of written demand therefore made to the Credit Reporting Agency pursuant to Section 606(b) of the Fair Credit Reporting Act.

If we deny your application based on information from the consumer reporting agency, you have a right under the Fair Credit Reporting Act to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive notice of the denial of your application. In addition, if you find that any information contained in the report is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.

You can find out about the information contained in your file by contacting:

TRANS UNION CORPORATION
National Disclosure Center
P.O. Box 1000
Chester, PA 19022
Phone: (800) 888-4213
Website: www.tuc.com

EQUIFAX CREDIT INFORMATION
Credit Information Services
P.O. Box 740256
Atlanta, GA 30374-0256
Phone: (800) 685-1111
Website: www.equifax.com

EXPERIAN CONSUMER ASSISTANCE (TRW)
National Consumer Assistance Center
P.O. Box 2104
Allen, TX 75013-2104
Phone: (888) 397-3742
Website: www.experian.com

Know Your Rights 

Discrimination in mortgage lending is prohibited by the federal Fair Housing Act, and HUD's Office of Fair Housing and Equal Opportunity actively enforces those provisions of the law. The Fair Housing Act makes it unlawful to engage in the following practices based on race, color, national origin, religion, sex, familial status or handicap (disability): 

• Refuse to make a mortgage loan 
• Refuse to provide information regarding loans 
• Impose different terms or conditions on a loan, such as different interest rates, points or fees 
• Discriminate in appraising property 
• Refuse to purchase a loan or set different terms or conditions for purchasing a loan 

Filing a Complaint 

If you have experienced any one of the above actions, you may be the victim of discrimination. Recognizing the signs of lending discrimination is the first step in filing a complaint. HUD investigates your complaints at no cost to you. If you believe you have experienced lending discrimination, visit the housing discrimination complaint website to learn more about the complaint process. 

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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

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 who opens an account at Consolidated Community Credit Union.

When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying documents.

If you presently have an account with us and you open additional accounts, add joint owners to an existing account or apply for a loan, we must also verify and retain copies of your identification.

We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country.

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For Apex, Ascent, Base Checking and more view here.

For Vertical Checking view here.

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For Savings, IRAs, Hi-Yield and Premium Money Market Accounts view here.

For Mega Money Market Accounts view here.

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