Privacy Policy

3/1/2026

FACTS	WHAT DOES OAKDALE CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and Account Transactions Account Balances and Credit History Income and Employment Information Overdraft History When you are no longer our customer, we continue to share your information as described in this notice.
How?	Al financial companies need to share member personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member personal information; the reasons Oakdale Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Oakdale Credit Union 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 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	No	We don't share
For our affiliates' everyday business purposes — information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share
Questions?	Call 608-372-3939 or go to www.oakdalecu.coop for other office locations.

Who we are
Who is providing this notice?	Oakdale Credit Union

What we do
How does Oakdale Credit Union protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We restrict access to nonpublic personal information about you to staff who need to know that information to provide services to you.
How does Oakdale Credit Union collect my personal information?	We collect your personal information, for example, when you Open an account Make deposits or withdraws from your account Pay your bills or apply for a loan Use your debit or credit card Give us your employment history
Why can't I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates' everyday business purposes information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State law and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. *We have no affiliates we share information with.*
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. *We do not share with nonaffiliates so they can market to you.*
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. *TruStage and Money Desktop (MX)*

Other Important Information

Oakdale Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines.

Protect your account numbers, plastic card numbers. PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on. behalf of the Credit Union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.

Keep your information with us current. If your address or phone number changes, please letus know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
We may collect information regarding your mobile device, such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile devices’ geolocation data. This information may be collected when you use certain services that are dependent on your mobile devices’ location (such as the location of an ATM or in-store transaction). We do not sell or share mobile or personal data with third parties, affiliates, or partners for marketing or promotional purposes. We only share data with third parties when it is strictly necessary to deliver our service and only under binding agreements that ensure confidentiality. Under no circumstances will mobile data be shared or sold for advertising or promotional use.