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Welcome
Please register below to receive special offers and credit union announcements.
THIS PANEL DOES NOT ACCESS OUR ONLINE BANKING. Please click on the "online banking" button on the right side to access online banking
Synergy FCU is Federally Insured by the NCUA.
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Notices, Terms and Conditions
Table of Contents
SYNERGY FCU MEMBERSHIP
Joining Synergy FCU is easy!
Just complete the Membership Application.
When you submit a request for an Application via the web, you will be sent a Membership form to fill out, sign and return with a minimum deposit of $5.00 to open your share account.
NOTE: Your account will not be opened until we receive the original form back with the deposit. Membership forms are also available at all SFCU branch locations.
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IMPORTANT LOAN APPLICATION INFORMATION
Loans are subject to credit approval and some restrictions may apply.
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NOTICE TO BORROWERS
First Time SFCU Borrowers are required to complete a detailed First Time Borrower Application, call 210-345-2222 or 888-272-8228 to have an application sent to you.
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USA PATRIOT ACT
On October 26, 2001, the USA Patriot Act was signed into law by President George W. Bush. The purpose of this law is to help protect you, your family and our country from terrorism by preventing terrorist financing. We want you to know that section 326 of the Act requires our credit union to verify the identity of all new credit union members. We must also verify the identity of members and nonmembers who are given access, or added as signatories, on new or existing deposit accounts and loans. We must also retain copies of documents used to verify your identity.
If you are an existing member who joined the credit union before the USA 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 account, 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 identify verification procedures.
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THIRD PARTY DISCLOSURE
From the Synergy FCU web site, you may access a variety of sites maintained by third parties. In accessing these sites, you are leaving the Synergy FCU web site. These sites are managed by organizations that may or may not have a business relationship with the credit union. Synergy Federal Credit Union is not responsible for the content presented at these sites nor information collected at these sites. Refer to the privacy statement at each site for additional information about how that particular organization manages information. Synergy Federal Credit Union does not represent either the third party or the member if the two enter into a transaction.
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DIGITAL INSIGHT - SECURITY BULLETIN
December 16, 2004
There are organizations on the Internet that offer 'free services' such as Internet acceleration or email virus scanning. Some of those organizations have 'privacy policies' that are so loosely defined as to allow them to harvest and share information that is universally considered to be personal and highly sensitive by Internet users. Such organizations ask unwitting end users to configure their browsers to cause all web traffic, including highly sensitive encrypted secure traffic to be decrypted, pass through that organization's servers to be harvested and then continue on to its intended destination. Hence, information that is thought by the end user to be inaccessible to everyone except the intended recipient is collected, and according to liberal privacy policies, may be shared by the intermediaries with unnamed third parties. We believe such organizations may rely upon the fact that many inexperienced Internet users don't understand the ramifications of such a situation (referred to in information security circles as a 'man-in-the-middle' exploits), or that they will carelessly click through acceptance terms without reading the fine print of the privacy policy. In our opinion, this dangerous situation is made worse by the fact that end users' efforts to uninstall such software on their computers has been designed so that it will often fail, leaving what amounts to a back door by the organization to usurp what are supposed to be private communications in the future.
Consider MarketScore, (formerly known as NetSetter) which we believe follows this sort of business model. MarketScore installs its own trusted root certificates, so that it can intercept secure (SSL) connections made by the end user machine.
The privacy policy of MarketScore states:
...Marketscore monitors all of your Internet behavior, including both the normal web browsing you perform, and also the activity you may have through secure sessions, such as when filling a shopping basket or filling out an application form that may contain personal financial and health information...
... We monitor the Internet connections of our users so we can not only accurately and anonymously model the browsing habits of Internet users, but also their shopping, registration, and other interactions as well...
... In addition to the monitoring of your Internet behavior, we may also combine the information that you provide us with information such as credit or prescription information that we obtain from third parties such as consumer preference reporting companies, credit reporting agencies, and prescription benefits managers....
... There are some limited cases in which we share personally identifiable information with third parties. Specifically, we provide personally identifiable information to third parties for the purpose of conducting the secure and confidential matches discussed more fully above....
It is important that Internet Banking users be made aware that those Internet companies that use technologies to intercept encrypted communications have full access to end users' personal information and have publicly stated that they can share users' information with third parties.
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