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Disclosures

Privacy 

Account Agreement

Credit Card Disclosure

USA Patriot Act

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. 

What this means for you: 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 apologize for any inconvenience this may cause; however, federal law prohibits us from waiving these requirements.


Complaint Notice

If you have a problem with the services provided by this credit union, please contact us at: 

Texell Credit Union
 PO Box 983, Temple TX 76503
 254.773.1604

The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below: In Person or U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Facsimile Number: (512) 832-0278; email: complaints@cud.texas.gov, Website: www.cud.texas.gov.


Public Information

Upon request, a member is entitled to review or receive a copy of the most recent version of the following credit union documents:


(1) Balance Sheet and Income Statement
(2) Summary of most recent Annual Audit
(3) Board policy regarding access to the articles of incorporation, bylaws, rules, guidelines and board policies
(4) Internal Revenue Service Form 990 



Fraud Alerts Program Overview

Messaging frequency depends on account activity. For more information, TEXT HELP to 32874. To cancel fraud text messaging services at any time reply STOP to any alert from your mobile device.

For Fraud Alerts support, call 855.773.1604. By giving us your mobile number, you agree that Fraud Alerts text messaging is authorized to notify you of suspected incidents of financial or identity fraud.

HELP instructions: Text HELP to 32874 for help or call [Institutions customer service number].

STOP instructions: Text STOP to 32874 to cancel

Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of any carrier may interfere with messages delivery for which the carrier is not responsible. No carrier will guarantee that alerts will be delivered.


Board of Directors

The Board of Directors are compensated for their time according to the below schedule:

· Chair - $180 per meeting, not to exceed $2,340 annually

· Board Member - $150 per meeting, not to exceed $1,950 annually