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Energy Federal Credit Union Disclosures

Website & eServices Disclosures

USA Patriot Act Identity Verification Notice

On October 26, 2001, President Bush signed into law the U.S.A. Patriot Act. The purpose of this law is to help protect you, your family, and our country from terrorism. Preventing terrorist financing is one way we can help prevent terrorism. We want you to know that section 326 of this Act requires Energy Federal Credit Union to verify the identity of all new credit union members. We must also verify the identity of members and non-members added as signatories to, and who have access to, new or existing deposit accounts and loans. We must also retain copies of all documents used to verify your identity.

If you are an existing member who joined EFCU before the U.S.A. Patriot Act rules became effective, we may also need to verify and retain copies of any documents used to verify your identity when you request a new deposit, apply for a loan, or are added as a signatory to a new or existing deposit or loan account. We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country. Please speak with a credit union staff member if you have any questions or concerns about our identity verification policies.

© 2002 CUNA Mutual Group

Unlawful Internet Gambling Enforcement Act (UIGEA) Policy - Regulation GG

The Unlawful Internet Gambling Enforcement Act of 2006 (effective June 1, 2010) implemented regulations which prohibit commercial/business members from receiving deposits or other credits of any kind relating to their operation of an illegal Internet gambling business.  Energy Federal Credit Union is required to enforce that prohibition.

It is Energy Federal Credit Union’s policy to not open or maintain any account for commercial/business members held with the intent to conduct or engage in Internet gambling activity, whether legal or illegal.  If the credit union discovers or determines that an existing commercial member transacts or engages in Internet gambling activity as defined by the UIGEA, the credit union reserves the right to restrict services or terminate the account relationship. However, at this time Energy Federal Credit Union does not open commercial/business accounts.

If you any questions about this federal regulation, please contact Energy Federal Credit Union at 301- 670-1300 or 800-223-2177.

The National Credit Union Share Insurance Fund (NCUSIF)

The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by Congress in 1970 to insure member's deposits in federally insured credit unions. On July 22, 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law and included permanently establishing NCUA’s standard maximum share insurance amount at $250,000. All deposit insurance resources reflect this higher level of coverage.

By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be NCUA insured to the legal maximum of $250,000 for each ownership category. For more information, visit