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Privacy Policy

Privacy Policy 

October 31, 2023

To limit our sharing 

Call toll-free 888.369.2207 Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no  longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.


Call toll-free 888.369.2207 or go to

How does Essential 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.

How does Essential collect my personal information?

We collect your personal information, for example, when you - open an account or apply for a loan - make a wire transfer or give us your contact information - make deposits or withdrawals for your account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Location data is also collecting using the Essential Credit union app. Location data is collected to provide location-based messages, offers, and interations. Location data can be obtained in when the Essential Credit Union app is not in use.

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.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.


Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies. – Essential has no affiliates

Nonaffiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies. - Nonaffiliates we share with can include  insurance companies, government agencies, plastic card processors (credit/debit/ATM), financial statement publishers or printers, mailhouse, mortgage companies, consumer reporting agencies, data processors, check/sharedraft printers, and CUSO’s

Joint Marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you. - Our joint marketing partners include CUNA Mutual Group’s MEMBERCONNECT and financial advisors