Fancy Farm Credit Union

OFFICIALS AND STAFF

BOARD OF DIRECTORS                                  SUPERVISORY COMMITTEE

   Mary B. Armstrong                                                              Edward N. Elder
     Mark F. Carrico                                                                   Sabrina Willett
     Marilyn J. King                                                                 Barbara Sue Wilson
     Jeffery H. Lamb
     Gary C. Woods

STAFF

President:
Jerry T. Mason

Loan Officer:
Bonnie Henderson

Member Service Representatives:
Angie Burgess
Darla Johnson
Pam Langston

MEMBER INFORMATION

What is Fancy Farm Credit Union?

Fancy Farm Credit Union is a state chartered, federally insured, member-owned financial organization. We were chartered in 1957 and our purpose is to satisfy the financial needs of its members by providing low-cost financial services, and give our members a safe place to save and a reasonable place to borrow.

What makes credit unions unique from banks, savings and loans, consumer finance companies and others is that they are owned by the members and operated as democratic institutions. As well as belong, many members also volunteer their time and talents to the credit union to help provide many of the services the credit union offers. They serve on committees, can be elected to boards, and take an active role in the operation of their credit union.

Credit Union membership is available to anyone who lives or is employed in Graves, Carlisle, Fulton, and Hickman counties in Kentucky. Membership is also open to the immediate families of members or organizations of such members.

You can join simply by completing a membership card and making a $5.00 deposit. Once you are a member, you will remain a member (regardless of your employment or residence), unless you close your account by withdrawing all shares.

The Credit Union is owned by its members. Each person, who opens a Share (Savings) Account, buys a "share" or part of the organization. Regardless of an individual's share account balance, each member owns an equal share of the Credit Union and is eligible to cast one vote for the Credit Union Board of Directors.

The Credit Union's Board is made up of elected members, who volunteer their time and effort to serve the Credit Union. The manager and staff handle daily operations however, the Board is responsible for setting all policies, rates, and establishing credit guidelines for the Credit Union.

SAVINGS AND INVESTMENTS

Membership
Free, however, to qualify a member must keep a minimum of $5.00 in their primary share (savings) account.

Share (Savings) Account
Dividends (interest) are paid at the end of each quarter.

Share Draft (Checking) Account
A checking account that pays you dividends (interest).

Share Certificates
A variety of Certificates are available at very competitive rates with a minimum investment of $500 and 6 to 60-month terms.

Individual Retirement Account (IRA)
Several types of IRA accounts are offered at competitive rates. Additionally IRA’s offer tax benefits and are insured to an additional $100,000 by NCUA.

Special Club Accounts
Christmas Club and Vacation Club accounts are available with competitive dividends paid.

Payroll Deduction
An easy and convenient way to save. Savings, checking and loan payments are automatically deducted from your payroll check and credited to your accounts on payday.

Direct Deposit
Any regularly recurring check (pension, payroll, social security, etc…) can be deposited directly into your savings or checking account.

LOANS AND SERVICES

Loans:

Many types of loans are available to qualified members.

• Personal
  
• Revolving Credit Lines
  
• Consolidation
  
• New and used vehicles
  
• Share or Certificate secured
  
• Home Equity Loans/Lines
  
• Real Estate First Mortgage loan.
  

No prepayment penalty is charged for early repayment of any Credit Union loan.

PRIVACY POLICY

 PRIVACY NOTICE

Under current law, we are required to give you this privacy notice. It describes Fancy Farm Credit Union's Privacy Policy and practices about the personal information we collect and disclose, including the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

Fancy Farm Credit Union collects nonpublic personal information about you from the following sources:

• Information we receive from you on member applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from a consumer reporting agency (assuming applicable)

We do not disclose any nonpublic personal information about you to anyone, except permitted by law.

If you decide to terminate your membership or become an inactive member, we will not share information we have collected about you, except as permitted or required by law.

Fancy Farm Credit Union restricts access to your personal and account information 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.

If after reading this notice you have any questions, please contact us at (270) 623-6336.

E-MAIL/WEBSITE INFORMATION/PRIVACY

Information Collected and Stored Automatically: Like most web sites, we gather and store certain information about your visit automatically. This information does not identify you personally. We automatically collect and store only the following information about your visit:

• The Internet domain (for example, .com, .edu, .net, etc...);
• The type of browser and operating system used to access our site;
• The date and time you access our site;

We use this information only for statistical purposes to help us make the site more useful and to learn about the number of visitors to our site and the types of technology our visitors use. We do not track or record any personal information about individuals and their visits.

Site Security and Information Collected from E-Mails and Online Forms: At this time Fancy Farm Credit Union does not provide a secure site to send sensitive information through. A secure site can be recognized by its address beginning with https://. Some browsers have an icon which looks like a padlock and when you arrive at a secure site the padlock will appear to lock, this is another indication of being on a secure site. Unauthorized attempts to upload information or change information on this site are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986.

Due to the above, Fancy Farm Credit Union does not provide, or request any online member or account information. When you contact us electronically by e-mail, you need to know that the information you provide may be reviewed internally by staff member. We may use return e-mail addresses to answer the e-mail we receive if there is no nonpublic information involved. Such addresses are not used for any other purpose and are not shared with outside parties. If you send us and e-mail, you should know that e-mail is not necessarily secure against interception. So, if your communication includes sensitive information such as your account number or social security number, please contact us by postal mail or telephone rather than e-mail for your protection. If you do contact us by postal mail or telephone, the information you provide will only by used in the ways we have described in the above PRIVACY POLICY.