Online Privacy Policy

Last updated September 2025

AgFed Credit Union is committed to protecting our members’ personal information through responsible data practices and robust security measures. This Online Privacy Policy applies to your interactions with any part of our digital services—including our websites, mobile applications and social sites ("Sites and Mobile Apps") through your computer, smartphone, tablet or other mobile devices ("computer or mobile devices"). It explains the types of personal information we collect, how we use that information, the circumstances under which we may share it with third parties, and your rights regarding your personal data.

Introduction

This Online Privacy Policy explains:

How AgFed collects and uses personal information when you visit our website, use our mobile apps, or interact with our online ads—whether hosted by us or by third-party providers.
How we may use or share that information to provide services and for advertising purposes.

By using our Sites and Mobile Apps, you agree to the terms and conditions of this Policy. AgFed works with third-party providers who are contractually obligated to comply with our policies to protect information. However, if you visit or access one of these third-party provider sites or mobile apps, please review the online privacy practices of that site or mobile app to understand the specifics of how they may process your online personal information.

Our Online Privacy Practices

We are committed to transparency in how we process and maintain your personal information subject to and consistent with applicable laws and regulations.

Linking to other sites

We may provide links to non-affiliated third-party sites. If you follow links to sites non-affiliated with or controlled by AgFed, you should review their privacy and security policies and other terms and conditions, as they may differ from those of our Sites and Mobile Apps. AgFed does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.

Protecting your personal information

We maintain physical, technical, electronic, procedural, and organizational safeguards and security measures that comply with applicable federal, state, and local laws to protect personal information from accidental, unlawful, or unauthorized destruction, loss, alteration, disclosure, or access.

Keeping your information accurate

It is important that we have accurate and up-to-date information about you. If you notice that your information is incomplete, inaccurate, or out-of-date, you can update your information through our mobile or online services, by contacting Member Services at 202-479-2270 or via the Member Services Contact Form. You may also write to us at Agriculture Federal Credit Union, PO Box 2225, Merrifield, VA 22116.

wHAT INFORMATION WE COLLECT?

The type of personal information we collect from and about you online will depend on how you interact with us and may include without limitation:

Contact information such as name, mailing address, email address, and telephone and mobile phone number(s);
Membership/Account/Loan application information such as credit and income information;
Identifiers such as Social Security number, account number(s), driver's license number (or comparable), or other information that identifies you for ordinary business purposes;
Access authorization such as user ID, PIN and password, and security questions and answers;
Documents or images submitted via our Sites or Mobile Apps to support account opening;
Information from your computer and mobile devices where allowed by individual browsers and/or operating systems such as:
- Unique device identifiers (e.g., Media Access Control (MAC) and Internet Protocol (IP) addresses);
- Browser type, version, language, and display/screen settings;
- Information about how you use and interact with our Sites and Mobile Apps (e.g., activities on pages visited, links clicked, or unique and measurable patterns such as keystrokes, mouse clicks and movements, swipes and gestures);
- Communications data, such as your communication preferences and details, or the content of your communications with us (e.g., text or chat messages);
- Responses to advertisements on sites and mobile apps where we advertise;
- Log information such as your search and voice to text queries in the mobile app; and
- Geolocation information (e.g., for real time ATM or financial center location, upon request, or for fraud prevention). AgFed Mobile App periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User's selection. End Users can change their location permission at any time in their device settings.

how do we use your information?

We may use information we collect online described in this Policy, as permitted and required by law, and for other purposes which may include but are not limited to:

Managing your account:
- protecting your identity and the security of your personal and account information from unauthorized access
- processing transactions on your account
- responding to product applications, questions, and complaints
- personalizing your site experience
- delivering content, product, and service offerings relevant to your interests
Meet legal, regulatory, and reporting requirements
Developing and improving our website, mobile app, products, services, develop new products, and support marketing efforts
Identifying, monitoring, and responding to fraud, financial crimes, and security breaches
Maintaining the safety, security, and integrity of our website, mobile app, products and services, databases, and overall business
Conducting crime prevention and compliance activities such as auditing, reporting, and fraud prevention
Analyze traffic and usage patterns on our website and apps.

We may combine information we collect online with information we collect in other contexts, such as from our communications with you or from third-party data sources, for marketing purposes, identity verification, or fraud prevention. We will treat such combined information in accordance with this Policy.

With whom do we share this information?

We may share the personal information we collect from and about you online as described in this Policy and subject to other legal restrictions and notices you may have received depending on your relationship with us with:

where ordered by a court or other legal body;
where it is lawfully permitted or required;
where there is an agreement to provide information under contracts to vendors and partners to make products and services available to AgFed members; and
where the member has requested or consents to the disclosure of information.

In those cases where AgFed discloses information to outside vendors, the Credit Union requires that they use it for no purpose other than providing previously specified services to its members.

How and why do we share information?

Like all financial institutions, AgFed Credit Union must share certain personal information to support everyday business operations—such as processing transactions, managing accounts, and reporting to credit bureaus. The section below explains why we share information, what we choose to share, and whether you have the option to limit any of that sharing.

Reasons we can share your personal information	Does Agriculture Federal Credit Union (AgFed) share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

How to limit sharing:

If you would like to opt out of all promotional emails from AgFed and its affiliated partners or to withdraw consent for your personal information to be shared with affiliated companies or companies that AgFed conduct business with, please contact us at marketing@agfed.org.
If you opt out of receiving promotional emails, we may still send you emails for other account servicing purposes.
Set your browser to refuse all or some cookies. Third party cookies can be limited or refused this way. Note: Some parts of the Sites and Mobile Apps may not function properly if you disable or refuse cookies.

Online tracking technology we use

We use a variety of online tools and technologies to collect information when you visit or use our Sites and Mobile Apps. We use these tools to collect information for website performance, fraud prevention, session management, debugging, targeted advertising, and other purposes as permitted and required by law. The data collected is viewed in aggregate and is not personally identifying.

Cookies. Cookies are small text files that a website's server stores in your web browser. Cookies allow companies to recognize your device and store information about your account and preferences. We may use cookies to store information about pages visited on our sites, language preferences, or other information that we have associated with you or your device. Your browser's settings may allow you to set your web browser to tell you when cookies are set, delete your cookies, or block cookies altogether. Not accepting cookies could impact how our website functions.
Marketing pixels, web beacons, clear GIFs, Google Analytics or other technologies. This technology may be placed on certain pages of our website, applications, emails, and other marketing initiatives. These tags usually work in conjunction with cookies and allow us to measure the effectiveness of our site and compile statistics about usage and response rates. These tools may collect information to provide better services for all users.
Widgets. We may allow certain widgets (e.g., social share buttons) on our Website that allow users to easily share information on another platform, such as a social media platform. The third-parties that own these widgets may have access to information about your browsing on pages of our Website where these widgets are placed. You may wish to review information at the third-party sites, such as social media platforms where you have an account, to determine how these third-parties collect and use such information.
Software Development Kits (SDKs). Our mobile applications may include third-party SDKs that allow us and our service providers to collect information about your mobile app activity. In addition, some mobile devices come with a resettable advertising ID (such as Apple's IDFA and Google's Advertising ID) that, like cookies and pixel tags, may allow us and our service providers to identify your mobile device over time for advertising purposes in compliance with applicable app store consent rules.
Server logs. Server logs automatically record information about your online interactions with us, such as browsing patterns and time and day of website visit.

Social Media

AgFed has official social media accounts on various platforms. When you interact with us on these platforms, we may collect information such as your likes, interests, feedback, and preferences. We may also collect additional information from such platforms if you choose to share information with them and they, in turn, share such information with us. Please refer to the privacy policies of the relevant social media platforms.

Children's Privacy

AgFed Credit Union’s website and mobile applications do not knowingly collect information from children. Should a child whom we know to be under the age of 13 send personal information to us, we will only use that information to respond to seek parental consent or provide parental notice.

retention and deletion

We keep your personal information for as long as your account remains active, and for up to 4 years after it’s closed. In some cases, we may keep it longer if required by law or by the National Credit Union Administration (NCUA). Our retention practices follow NCUA guidelines and policies..

Updates to this policy

This Policy is subject to change, and we may update it periodically. If we make changes to this Policy, we will revise the Last updated date on this page.