Security & Privacy

17 Jan

Privacy & Security

Your Privacy and Security is our Priority

We’ve taken a serious approach to security. From the ground up, we implemented a security system that safeguards your money and keeps your account information private. Layers of security include automatic digital certificate, sign-off, encryption, firewalls and password lockout.


Our Signet Online Web site has been issued a digital certificate by Verisign, Inc. This certificate is a statement guaranteeing the security of the site. A certificate contains information that a specific Web site is authentic, which ensures that no other site can assume the identity of the original site.


In order to protect your accounts, you should always log out of Signet Online when you finish. In case you forget, Signet Online will automatically log you out after a predetermined time period of inactivity. This will prevent anyone from accessing your account.


Signet Online takes advantage of the powerful encryption technology available through 128-bit Secure Sockets Layer (SSL). Secure Socket Layer (SSL) creates a unique, one-time encryption algorithm each time a member accesses his or her account. Studies have shown this level of data encryption is extremely difficult to break. To give you an example of the power of this technology, in 1998 a French programmer was able to break 40-bit encryption technology using 120 workstations on two super computers running for eight straight days. While this alone is impressive protection, 128 bit encryption is trillions of times harder to decrypt than 40-bit encryption. Consequently, it is virtually impossible to decrypt a message protected with 128-bit encryption


In addition to the encryption technology; we have installed a firewall to protect your accounts from unauthorized access. The firewall is a barrier between the outside Internet and the internal credit union network. The firewall examines each message and blocks those that do not meet the specified security criteria.


In order to bank online, you need to know a unique access code. If someone else is trying to enter an access code to view your banking information, he or she won’t get very far. Signet Federal allows only 6 chances to enter an access code. After 6 failed attempts, it is determined to be fraudulent activity and the account is “locked out.” No further log in attempts will be allowed. Contact a Signet Federal representative to regain access.

We have your privacy, protection, and peace of mind at the forefront with Signet Online.

Signet Federal Credit Union
P.O. Box 426
Paducah, KY 42002-0426
Phone (270) 443-5261
*Please remember email is not secure


Privacy Notice

We have a history of holding member information and transactions in the highest confidence. Our promise to you, which will be disclosed in this statement of our privacy practices, will be to maintain your confidence in our protection of your personal nonpublic information.  You are welcome to contact us by our phone number (270) 443-5261 or you may e-mail us if you have additional questions.

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

●      Social Security number

●      Account balances and payment history

●      Credit history and credit scores

How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Signet Federal Credit Union chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does Signet Federal CU share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus No We don’t share
For our marketing purposes – to offer our products and services to you No We don’t share
For joint marketing with other financial companies Yes Yes
For our affiliates’ everyday business purposes – information about your transactions and experiences No We don’t share
For our affiliates’ everyday business purposes – information about your creditworthiness No We don’t share
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes


To limit our sharing Call Phone Number 800-795-2555

Please note:

If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.


Questions? Call Phone Number 800-795-2555


Who We Are?
Who is providing this notice? Signet Federal Credit Union



What we do
How does Signet Federal CU 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 Signet Federal CU collect my personal information? We collect your personal information, for example, when you

●      open an account or give us your contact information

●      apply for a loan or show your driver’s license

●      give us your income information

We also collect your personal information from others such as credit bureaus, affiliates or other companies.

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 laws 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.