Locations & Hours of Operation | Officials 
Vision Statement | Mission | Operating Strategies
 Telephone Numbers | Volunteers | Privacy Policy

LOCATIONS & HOURS OF OPERATION:

A dependable and sound financial cooperative, who works with its members to assist them in achieving maximum financial strength. As we grow and evolve with greater technological advances, we will retain the same close relationships with members to which they have grown accustomed. As we look to the future, we are committed to guiding our members through the ever-changing environment of the financial world by serving as a financial resource center where our members can feel comfortable asking questions and accessing information. Through our "people helping people" philosophy, we will honor our civic responsibilities to our membership and our community.

To be each member’s primary financial institution.

CCSD’S OPERATING STRATEGIES:

• To provide a complete, but practical, range of competitively priced financial products and services that meet the needs of our membership.

• To achieve an extraordinary level of member service through a commitment to continual growth in knowledge and skills by the board of directors, leadership and staff.

• To utilize market research tools:

1. To keep a finger on the pulse of the financial arena in order to gather, process and disseminate pertinent information to the membership to assist them in making educated and informed financial decisions effecting their lives;
2. To listen to our members, and bring to action the voice of the membership.

• To use proven technologies to bring about opportunities to provide better, more sophisticated and cost effective products and services for our members.

• To manage growth in order to increase credit union solvency and to avoid undue strain on member service and our employees.

• To recognize our youth as the future of CCSD, and to make an ongoing commitment to nurture their consumer-education development.

IMPORTANT TELEPHONE NUMBERS:

VOLUNTEERS:

Volunteers play a critical role in shaping CCSD’s future. Credit unions were founded on the principle of "people helping people" and volunteers have always been the "backbone" of our movement. At CCSD, we are always looking for individuals willing to share their time and talents.

Credit Union boards and committees provide many opportunities for volunteer participation:

The Board of Directors is comprised of nine volunteers whose main responsibility is to set policy, plan the future direction of the credit union and ensure that the credit union maintains its sound financial condition.

The Credit Advisory Board is comprised of three volunteers whose main responsibility is to review loan officers’ work, handle appeals of loan decisions and recommend loan policy changes.

The Supervisory Committee is comprised of five volunteers whose main responsibility is to ensure that members’ funds and interest are protected and that the credit union’s financial records and operations are in order.

Other standing committees, which enable volunteer participation, are: Membership and Education, Budget, Policy and Community Involvement. From time to time ad hoc committees are formed for shorter duration and for specific needs.

Whether your expertise or interest lies in technology, finance, construction, salesmanship, etc. and you are interested in becoming a volunteer, please contact the credit union.

At CCSD Federal Credit Union, the privacy and confidentiality of each account is of utmost importance to us. For this reason, CCSD is committed to ensuring that your personal and financial information will be kept in strictest confidence. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal and financial information. 

Information We Collect and Disclose About You 

We collect the following nonpublic personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.

• From membership and loan applications and other forms, we obtain information such as name, address, social security number and income.
• From your transactions with us or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions, and credit card usage.
• From consumer reporting agencies, we obtain information such as your creditworthiness and credit history.
• From verifications of information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions and other sources listed on the application.

We may also disclose information we collect about you under other circumstances as permitted or required 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. To protect our members’ privacy, we only work with companies that agree to maintain strict 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.

Website Usage

As a general policy, CCSD does not collect personal information from users of its Website. CCSD and its on-line business partners will only collect personal account data necessary to process an on-line transaction as well as standard non-identifying information. Standard non-identifying data includes information about visits to our site such as date and time visited, IP address, city, state and country. The non-identifying data shall be only used to compile statistics regarding site usage.

How We Protect Your Information

We restrict access to nonpublic personal and financial information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal and financial information.

Children's Privacy Act

The online financial services offered through the Credit Union's web site are not intended nor designed for children under the age of 13.  We do not knowingly solicit or collect data from children, and we do not knowingly market to children online without express parental or legal guardian consent or notification.  If we receive online information from anyone that we know to be a child, we will only use the information to respond directly to a child's request.

We recognize and understand that protecting the identities and privacy of children is important and the responsibility rests with the Credit Union as well as with the parent or legal guardian.  If any member believes their child has provided personal identifiable information to the Credit Union, they must contact us so that we can allow you the opportunity to review and delete said data.

Main Office Map

Horseheads Branch Office

Southport Branch Office

Last Updated: May 18, 2001