Security and Privacy

Directions Credit Union, your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union’s privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union. These practices are followed by the Credit Union and its affiliate, Area Financial Services (CUSO), and therefore this notice will be applied to both.

Read Directions Privacy Policy Notes

If after reading this notice you have questions, please contact us at: 1-888-508-2228 or write to: Directions Credit Union – 200 N. St. Clair St. 1600 Toledo, Ohio 43604

Information we collect about you

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications and other forms.
  • Information about your transactions with us or our affiliate, Area Financial Services (CUSO).
  • Information we receive from a consumer reporting agency.
  • Information obtained when verifying the information you provide on an application or other forms—this may be obtained from your current or past employers or from other institutions where you conduct financial transactions.

We may disclose all the information we collect, as described above, as permitted by law.

Remarketing Policy

Directions Credit Union may engage in remarketing as part of our marketing efforts. Remarketing serves ads to audiences who have previously visited a website or landing page.

It matches the right people to the right message. Third parties, including Google, use cookies to serve ads based on someone’s past visits to our website.

You have the choice to opt out of remarketing.


Directions Credit Union uses Google Analytics, Google AdWords Conversion tracker, and other Google services placing cookies on a browser across the Directions Credit Union website(s). Google’s placement of cookies helps us increase the website’s general effectiveness for our visitors. These cookies are set and read by Google. You can opt out of Google tracking. To do so, please visit the Google Ad Settings page.

Directions Credit Union uses AdWords remarketing, sometimes called retargeting, to market our website(s) across the Internet. Through Google, a cookie is placed on a browser. Google then reads cookies and may present a Directions Credit Union ad on a 3rd party site. You may opt out of Google’s remarketing here (link). If concerned about 3rd party cookies presenting ads by Google and other ad networks, you can visit a broader opt out page at the Network Advertising Initiative.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

Children's Online Privacy Policy

The privacy of our young members and other young visitors to our Directions Credit Union, Inc. (“DCU”) website is of great importance to us. Because we respect your privacy, DCU has adopted the following privacy policy, which conforms to the Children’s Online Privacy Protection Act of 1998:

  • DCU may collect information on domain names, dates, and times of visits to DCU’s website. The information collected, will not include any personal identifiers. If the information is collected, it will only be used to record website visits to help assess the overall value of the website.
  • With the exception of the usage described above, visitor information is NEVER sold, given, or disclosed to third parties.
  • No cookies are required.
  • DCU may use feedback information received by e-mail from visitors to respond to raffle entries, inquiries, comments, or suggestions.
  • E-mail information is never sold, given, or disclosed to third parties.

Should a child who we know to be under the age of 13 send personal information to DCU, we will only use that information to respond directly to that child, seek parental consent or provide parental notice.

Parties Who Receive Information From Us

We may disclose nonpublic personal information about you to the following types of third parties:

  • Financial service providers, such as insurance companies, mortgage service companies, and securities broker-dealers
  • Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, and plastic card processors

Directions Credit Union and its affiliate, Area Financial Services (CUSO), may also work closely to offer products and services to meet member needs. As a result, we may also share your nonpublic personal information with each other as permitted by law.

Disclosure of Information to Parties that Provide Services to Us

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members

If you terminate your membership with Directions Credit Union or its affiliate, Area Financial Services (CUSO), we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

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

Website Users

Although our website does not require you to disclose any personally identifying information, you may choose to provide this to use one of our products and services. These products may include online banking, applying for a loan, or other services which require personal information to complete your request. Email addresses are collected from members who request electronic services and from our website users who choose to provide their addresses to us. No confidential information is collected from you online, unless you have provided it to us. We do not store confidential or sensitive information through the use of cookies. Cookies are small pieces of information a website stores on a visitor’s web browser to remind the site about the user the next time the site is visited. Our non-use of cookies enhances our members’ online transactions and eases navigation through our website. For some applications, such as online transactions, cookies are required to help protect the privacy of a member’s transactions by terminating the session if the member forgets to log out. Links to other websites are provided solely as a convenience to you. Directions Credit Union does not control and is not responsible for any of these sites and their content or their privacy policy.