Disclosures & Policies

Articles

Membership Account Agreement & Funds Avail. Policy
The attached document details the contract terms and Funds Availability agreement for account holders. Membership Account Agreement Funds Availability Policy ...
Truth in Savings Account Disclosures
Except as specifically described, the following disclosures apply to all accounts at Inspirus Credit Union: Rate Information.  The Dividend Rate and Annual Percentage Yield on your accounts are set forth in the ...
Loan Contract Terms
The attached document details the contract terms between the credit union and loan account holders. Consumer Loan Agreement ...
Visa Credit Card Agreement
The attached document details the agreement between the credit union and Visa Credit Card account holders. Visa Credit Card Agreement Visa Signature Rewards Credit Card Agreement ...
Electronic Communication Disclosure and Agreement
The attached document details the credit unions policies regarding electronic communication as well as the account holder's consent to those policies. Electronic Communication Consent Agreement ...
eStatement Disclosure Agreement
The attached document contains the account holder's agreement to receive statements electronically Online Statement Access Agreement ...
Privacy Policy
The Privacy Policy describes the use of personal information you share with the credit union. It can be accessed by clicking the following link ( Inspirus Privacy Policy ). ...
Are the funds in my account insured?
When your credit union opened in 1936, it promised members "a safe place to save and a good place to borrow." That philosophy is as strong as ever. Your credit union is one of the safest, soundest financial institutions in the country. ...
What is the Reg-D Fee and what is Regulation-D?
Federal regulations govern the transactions we can allow members to make from their savings accounts. One regulation (called Regulation D) states that certain withdrawals and/or transfers must not exceed six per month. We do allow withdrawals a...
What should I do if I notice an error on my billing statement?
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.  NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL If you think your bill is wrong, or if you need more inform...