The Kokua Federal Credit Union is owned by its members and run by a board of directors you elect.  You can be confident that your financial privacy is a top priority of this credit union.  We are required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal financial information.  If you have any questions, please contact us at (808) 528-7077.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you with our affiliated third party financial providers, which provide data processing services.  We may also share information about you to provide you with certain financial opportunities.  In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.

We may also disclose information we collect about you under other circumstances as permitted or required by law.  These disclosures typically include information to follow your instructions as you authorize, to conduct the operations of the credit union, or to protect the security of our financial records.  To protect our members’ privacy, we only work with companies that agree to maintain strong 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. 

How to Opt Out Or Stop Certain Disclosures About You:

If you prefer that we do not disclose nonpublic personal information about you to other third parties (other than those permitted by law) you should call us at the credit union.

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 our affiliate and other companies that perform marketing services on our behalf or to other financial institutions with whom 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 and our affiliates, we obtain information such as our 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.

These disclosures typically include information to process transaction on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Kokua Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information:

We restrict access to nonpublic personal 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 information.