Lake Michigan Credit Union and United Federal Credit Union Announce Intent to Merge


Online Terms and Conditions Statement



In the course of providing products and services to you, we collect information about you. Some of this information is nonpublic personal information. We do not sell or share your nonpublic personal information with anyone, except as required or permitted by law.

All website content is made available to you for informational purposes as a service to United Federal Credit Union (UFCU) members. We try to ensure that all information presented is current, accurate, and useable, HOWEVER, this information should be construed only as a guideline, and is subject to change without notice.

Before using any information contained on the UFCU web site that you believe may be suspect, or if you have any questions after reading this notice, please contact UFCU at 888-982-1400 to request authoritative information and guidance.


We take every precaution to ensure your information remains confidential. Our website and online banking service is encrypted and protected with an encryption method called Secure Socket Layer (SSL) at the high-grade encryption level of 256 bits.

Browsers that are SSL enabled contain the necessary encryption algorithms to “scramble” the information that is transmitted between you and UFCU’s computer systems. This ensures the confidentiality of information you submit electronically.


We offer a Secure Contact Us Form service to contact our Member Service Center which allows you to include personal information like account numbers and credit card numbers when contacting us electronically. We encourage you to NOT include any personal information like your account number or Social Security Number when you use unsecure email.


What is a cookie?

A cookie is a piece of data stored on the hard drive of your computer containing information about you. Cookies do not contain viruses and most cannot review any of your personally identifiable information unless you willingly provide it as a user on a site.

Cookies are used for online banking and contain information like operating system and browser type.

Does UFCU use cookies on its website?

Yes. UFCU uses “cookies” to enhance the user experience. Your web browser places cookies on your hard drive for record-keeping purposes and sometimes to track information about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, note that some parts of our website may not function properly.

Remarketing Campaigns

UFCU and third-party vendors use cookies to inform, optimize and provide advertisements based on a visitor’s past visits to our website. As you use our website, we obtain information that we use for targeted messaging as you browse the Internet. For example, our remarketing campaigns with AdRoll and Google Adwords display content specific advertisements to visitors of our website when those visitors go to other websites that provide ads through Google. We also participate in remarketing and retargeting campaigns with other businesses and vendors.

Importantly, we do not share personally identifiable information with Google, other businesses, or third-party vendors. For example, we do not collect or share your name, contact information, account information or any other membership information. You can opt-out of AdRoll and their partners’ targeted advertising by clicking here.

Google Adwords Remarketing

Google AdWords Remarketing is a Remarketing and Behavioral Targeting service provided by Google. It connects the activity of users on with the Google Adwords advertising network and the Doubleclick Cookie. You can opt out of the cookie tracking by clicking here.

Google Analytics

We use Google Analytics to collect information about use of our website. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We use the information we get from Google Analytics only to improve this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser.



We use IP addresses to analyze trends and administer the site. IP addresses are not linked to personally identifiable information.


UFCU’s website contains links to Third Party websites. These links are provided for convenience purposes only.

Third Party websites are not under the control of UFCU. Links to non-UFCU sites do not imply any endorsement of or responsibility for the content, information, or services offered at such sites. Any transactions made at Third Party websites are made with the Third Party and are not transactions with UFCU. Please review the privacy and security policies of Third Party websites as they may differ from UFCU’s.


We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Full Privacy Policy

Remember, UFCU will NEVER contact members via email or telephone to verify or request personal/account information.

Personal/account information can only be updated through our Member Service Center or in person at a branch office when initiated by you, the member. Any correspondence received from UFCU that is not a reply to direct contact by a member is for informational purposes only.


Copyrights in the images, text, screens and web pages appearing on this Website are owned by UFCU or others as indicated. You may copy information from our Website for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice as they appear on the pages copied. The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, or otherwise used for public or commercial purposes, except as provided in these terms and conditions, without the express written permission of UFCU.


Each user of this Website agrees to indemnify and hold UFCU, its board, management, employees and agents harmless from and against all claims and expenses, including attorneys’ fees arising out of the use of this Website and the content herein.