Our Commitment to our members at  South Texas Area  Resources (STAR) Credit Union is to  provide  the best financial products and services and to protect our members’ privacy.

While information is very important and vital to providing our  members  with  superior  service, our  most  important  goal  is obtaining  and keeping our members’  trust.  Keeping  member information   secure  and  using  it  only  as  our members  would  want us to is a top priority for all of us at South Texas Area Resources (STAR) Credit  Union.  As  members  of  STAR  Credit Union you too have a responsibility to safeguard your personal information.

About Our Privacy Policy

To assure the continued privacy and confidentiality of your personal  financial  information, we at STAR Credit Union observe these practices and procedures:

Information We Collect

Our  Credit Union  will  collect  only  personal   information necessary to conduct our business.  That  means  just information that is necessary to  provide  competitive products and services, nothing more.

We collect nonpublic information about you from some or all of the following sources:

• Information we  receive from you on an application, an account card or other forms to  obtain  or  maintain  a  service  with  us, whether in writing, in person, by telephone or  electronically.  This  information may include your name, address, social security number, assets, income, employment information and credit references.

• Information about your transactions with us, our affiliates or others, such as your account balance,  payment  history,  parties to transactions and credit card usage.

• Information we receive from a consumer-reporting agency or credit bureau, such as your credit worthiness and credit history to evaluate a loan application.

• Third party processor transactions, such as ATM usage.

• Communications from you regarding your account(s),  such  as  change  of  address request.

Use of Personal Information

Our Credit Union will only use your personal information to verify your identity, provide you with quality member service and evaluate your request for products and/or services.

Information We Disclose

Our Credit Union will only disclose information when necessary. We may disclose some or all of the information we collect as described above  to companies  that  perform marketing services  on our behalf or the  other  financial institutions with which we have joint marketing agreements,  such  as  credit  life  insurance companies.

We will disclose information to administer the products  and  services  we  provide  to  our financial service providers to help us process your  applications  or  service  your  accounts. Our service providers may include mail service companies, check printing companies, credit card and debit card issuers.

We  may  disclose  information  about  you under other circumstances as permitted by law or when required to do so by the government, such as responding to a subpoena or court order, judicial process or regulatory authorities and to protect against fraud.

We  will  disclose  information  regarding  our members’ accounts to credit bureaus for credit reporting purposes.

We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law.

Our Security Measures

Our  Credit  Union will  protect your personal information.  We  restrict  access to nonpublic information about you to those employees who need to  know  that information  to  provide products  or  services  to  you. We  maintain physical, electronic and procedural safeguards that comply with Federal Regulations to guard your  nonpublic  personal  information  and  to assist  us in preventing unauthorized access to that information.

Our Credit Union will do business only with companies  that  follow  strict confidentiality requirements.  The businesses  we  select will offer  products  designed to  enhance  our members’ well being. Under no circumstance will we authorize these firms to charge your account without your express consent, and we will  not  sell  member  information  to telemarketing firms.

You will always have access to your information. As a member of our credit union, you will always have the opportunity to review your information and make any necessary changes to ensure that our records are complete and accurate.

Your Option Not to Disclose

Our  Credit Union  will  offer  you  a  choice  in how your information is used. Any member of our  Credit  Union  may  elect  to  keep  their information from being shared with our business partners.  You  may  exercise  your  choice  by contacting our Member Services Department at (361)  242-7827  option  #3.  We  will  take reasonable steps to make sure your request  is honored. At  least once a year, we will remind all of our  members  of  your  right  to  choose. An  opt-out  request  by  any  party  on  a joint account  will  apply  to  all parties on that joint account.  Please  allow  us  sufficient   time  to process your request.