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The HMC (N.J.) Federal Credit Union, established in 1978, is a cooperative organization owned entirely by its members and operated for the benefit of all who belong. Like all Credit Unions, the HMC (N.J.) Federal Credit Union is a not-for-profit organization. The members’ deposits provide funding for other members who need loans. Repayment of these loans generate income to pay dividends on savings and to pay operating expenses. This is the long standing philosophy of Credit Unions in action, “People Helping People”. When you choose the HMC Credit Union as your financial institution you are not just a customer to us, you are a valued member and owner. We are committed to providing you with a safe and convenient place to do all your financial activities and an easier, more economical way to borrow. You can leave HHS, move or retire and never have to leave the HMC Credit Union. “Once a member, always a member.” Credit Unions will always be: not for profit, not for charity, but for service!

This includes important information about the personal data the Credit Union collects, and how we use it to provide products to our Members. To assure the continued privacy and confidentially of your personal financial information, we observe these practices and procedures:

•  Information we Collect:  We collect nonpublic information about you from some or all of the following sources

1.  Information we receive from you on applications or other forms
2. Information about your transactions with our affiliates, others, or us.
3. Information we receive from a consumer-reporting agency.

• Information we Disclose: We do not disclose any nonpublic personal information about our members or former members to affiliates of non-affiliated third parties except permitted by law.

• Our Security Measures: We restrict access to nonpublic information about you 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.