Member Disclosures and Notices

Ft. Randall Federal Credit Union Disclosures

At Ft. Randall Federal Credit Union, transparency is key to building and maintaining your trust. This page provides important disclosures and notices related to our products, services, and your membership. We encourage you to review these carefully so you understand your rights, responsibilities, and the terms that apply.

Account Disclosures

When you open an account with us, you’ll receive specific disclosures that explain account features, fees, and interest rates. These documents help you understand how your account works, including minimum balance requirements, transaction limits, and any applicable charges.

Loan Disclosures

Loan terms, interest rates, repayment schedules, and any applicable fees are fully disclosed before you finalize your loan agreements. We provide clear explanations so you can make informed borrowing decisions. If you have questions about your loan terms, our loan officers are available to assist you.

Privacy and Security Notices

Your privacy and security are important to us. Our Privacy Policy details how we collect, protect, and share your personal information. We comply with federal and state regulations to keep your data secure and only share information when necessary and authorized.

Electric Funds Transfer (EFT) Disclosures

If you use online banking, mobile banking, or other electronic services, the Electronic Funds Transfer disclosures outline your rights and responsibilities. This includes information about transaction limits, error resolution, and procedures to report unauthorized transactions.

Limitation of Liability

While we strive to provide reliable services, FRFCU is not liable for losses or damages resulting from circumstances beyond our control, such as system outages, unauthorized access due to your negligence, or third-party errors. We encourage members to follow security best practices and report suspicious activity immediately.

Truth in Savings and Other Regulatory Notices

We comply with all federal regulations, including Truth in Savings, which requires clear disclosures of interest rates and annual percentage yields (APYs). Additional regulatory disclosures related to Truth in Lending, Fair Credit Reporting, and other laws may also apply.

Updates and Changes

We may update disclosures as required by law or to reflect changes in our policies and services. When changes occur, we will notify you promptly through your preferred communication channels. You can always access the most current disclosures by visiting this page or contacting us directly.