Member Notices
MEMBER ACCESS TO CREDIT UNIN DOCUMENTS POLICY
The Texas Administrative Code, Title 7, Part 6, Chapter 91, Subchapter C, Rule 91.315 Members' Access to Credit Union Documents, provides the membership access to certain credit union documents. The purpose of this policy is to ensure that 1st University Credit Union complies with that rule.
DOCUMENTS AVAILABLE TO MEMBERS
Upon request, a member is entitled to review or receive a copy of the following documents:
Balance sheet and income statement (the non-confidential pages of the latest call report may be provided to meet this requirement)
Summary of the most recent annual audit
Written board policy regarding access to the articles of incorporation, bylaws, rules, guidelines, board policies, and copies thereof
Internal Revenue Service Form 990
INSPECTION PROCEDURES
The individual requesting access to credit union documents must be a member of the credit union. The member must provide a written request, stating which documents are requested. The credit union shall respond within 14 days and keep copies of all requests and documents for record keeping purposes.
Member inspection rights under this section are in addition to any other member inspection rights afforded by the credit union's charter or bylaws or other state and federal laws or regulations.
CONFIDENTIAL BOOKS, RECORDS, AND MINUTES
Members do not have the right to inspect any portion of the books, records, or minutes of a state chartered credit union if:
State and/or Federal law or regulation prohibits disclosure of that portion. The publication of that portion could cause the credit union predictable or substantial financial harm.
That portion containing nonpublic personal information, as defined in the Gramm Leach Bliley Privacy Act and NCUA Regulation 716.3 (dealing with member privacy and the disclosure of information) would constitute a clearly unwarranted invasion of personal privacy of employees or officials.
COSTS
The credit union may charge members the direct and reasonable costs associated with search and duplication. The credit union will not charge for other costs, including indirect costs or attorney's fees.
NON-DISCRIMINATION POLICY
1st University Credit Union does not discriminate based on race, color, national origin, sex, age, or disability in its services, programs, activities, or employment practices. We are committed to ensuring that all individuals have equal access to our financial services and resources.
Política de No Discriminación
1st University Credit Union no discrimina por motivos de raza, color, origen nacional, sexo, edad, o discapacidad en sus servicios, programas, actividades o prácticas de empleo. Nos comprometemos a garantizar que todas las personas tengan acceso igualitario a nuestros servicios financieros y recursos.
Your Rights Under Title VI of the Civil Rights Act and Section 504 of the Rehabilitation Act
In accordance with federal laws and U.S. Department of the Treasury policy, 1st University Credit Union is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability.
Sus Derechos Bajo el Título VI de la Ley de Derechos Civiles y la Sección 504 de la Ley de Rehabilitación
De acuerdo a lo establecido por las leyes federales y las políticas del Departamento del Tesoro esta organización, 1st University Credit Union, no puede discriminar por causa de raza, color, origen nacional, sexo, edad, o porque una persona tiene impedimentos.
How to File a Complaint
To file a complaint of discrimination, write to:
1st University Credit Union
24 La Salle Ave Unit C
Waco, TX 76706
(254) 752-2797 | memberservices@culink.net
We take these matters seriously and will work to address any concerns promptly.
You may also file a complaint with the relevant federal agency:
U.S. Department of the Treasury
Director, Office of Civil Rights and Equal Employment Opportunity
1500 Pennsylvania Avenue, NW
Washington, D.C. 20220
email: crcomplaints@treasury.gov
Cómo Presentar una Queja
Para presentar una queja sobre discriminación, escriba a:
1st University Credit Union
24 La Salle Ave Unit C
Waco, TX 76706
(254) 752-2797 | memberservices@culink.net
Nos tomamos estos asuntos en serio y trabajaremos para abordar cualquier inquietud de manera rápida y justa.
También puede presentar una queja ante las agencias federales correspondientes:
U.S. Department of the Treasury
Director, Office of Civil Rights and Equal Employment Opportunity
1500 Pennsylvania Avenue, NW
Washington, D.C. 20220
email: crcomplaints@treasury.gov
For further information or assistance, please contact us at (254) 752-2797 or memberservices@culink.net.
Para obtener más información o asistencia, comuníquese con nosotros al (254) 752-2797 o memberservices@culink.net.
Complaint Notice
If you have a problem with the services provided by this credit union, please contact us:
1st University Credit Union
24 La Salle Ave Unit C
Waco, TX 76706
(254) 752-2797
The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also contact the Texas Credit Union Department at 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Website: www.cud.texas.gov.
complaints@cud.texas.gov
Fax: (512) 832-0278