Privacy Policy
Website and Digital Privacy Policy
Last updated: 12.16.2025
First Commonwealth Federal Credit Union (“First Commonwealth,” “we,” “us,” or “our”) is committed to protecting your privacy and safeguarding your personal information. This Online Privacy Policy (“Policy”) explains how we collect, use, and share information when you visit or interact with our websites, mobile applications, digital banking services, and branded social media pages (collectively, “Sites”). Use of our Sites indicates acknowledgement of this Policy to the extent permitted by law.
If you seek, apply for, or obtain a financial product or service from us, additional privacy practices apply. Please refer to our federally required Privacy Notice for details on how we use and share your personal information under applicable law.
1. Information We Collect
We collect personal information in accordance with applicable laws and only as necessary for our business operations. Depending on how you interact with our Sites, we may collect:
Information You Provide Directly
- Name
- Mailing address
- Phone number
- Email address
- Information submitted through forms, surveys, or secure messages
- Credentials to securely login to Digital Banking
Information Collected Automatically
When you visit our Sites, we may automatically collect information such as:
- IP address
- Browser type and device information
- Pages visited and interactions with our Sites
- Approximate location (based on IP address)
- Cookies and similar technologies
- Mobile device identifiers (if using our mobile app)
Information from Third Parties
For certain services (e.g., loan applications, credit decisions), we may receive consumer report information, with your authorization, through secure channels. This occurs only when you apply for financial products or services—not simply by browsing our Sites.
We do not collect sensitive information such as precise geolocation or keystroke activity through routine website use.
2. How We Use Your Information
We may use the information we collect to:
- Provide, maintain, and improve our products, services, and online experience
- Deliver digital banking and process transactions
- Authenticate your identity and secure your accounts
- Respond to inquiries and provide customer support
- Conduct analytics to improve functionality and performance
- Personalize content or advertising based on your interests
- Measure advertising effectiveness
- Meet legal, regulatory, and risk-management requirements
- Communicate information relevant to your accounts or our services
We do not sell your personal information—whether for monetary or other valuable consideration.
When information is anonymized or deidentified, we take steps to ensure it cannot reasonably be reidentified and will not attempt to reidentify it unless required for legal compliance.
3. How We Share Information
We may share information in the following circumstances:
Affiliates
We may share information with our corporate affiliates for everyday business purposes and to deliver our services, in accordance with our Privacy Notice.
Service Providers
We work with carefully selected service providers that help us:
- Operate our Sites
- Process payments or transactions
- Deliver digital banking
- Provide analytics, security, and fraud prevention
- Support marketing or communication services
These providers are required to safeguard your information and use it only for contracted purposes.
Joint Marketers
We may share information with service providers whom we have a joint marketing agreement with to market financial products and services to you.
These providers are required to safeguard your information and use it only for contracted purposes.
Legal and Regulatory Requirements
We may disclose information:
- To comply with subpoenas, court orders, or applicable laws
- To protect against fraud or security threats
- To enforce our rights or defend against legal claims
- When required to protect the safety of members, employees, or property
At Your Direction
You may choose to share your First Commonwealth account information with third-party financial tools (e.g., budgeting apps, account aggregators).
We recommend verifying that these third parties have appropriate privacy and security practices.
First Commonwealth is not responsible for how third parties use or protect your information once you grant access. You may revoke access at any time by updating your digital banking security settings or by changing your password.
4. Keeping Your Information Accurate
Maintaining accurate information helps us serve you better. You may update your information through digital banking, by calling us at 1-888-821-2400, or by writing to:
First Commonwealth Federal Credit Union
PO Box 20450
Lehigh Valley, PA 18002
5. Your Choices and Controls
Cookies & Tracking Technologies
Cookies help us remember your preferences and understand how our Sites are used.
You may disable cookies in your browser settings. Our Sites will still function, but some features may not operate as intended.
Because there is no universally accepted standard, our Sites may not respond to “Do Not Track” browser settings
6. Children’s Privacy
Our Sites are not directed to children under 13, and we do not knowingly collect personal information from anyone under 13 without verified parental consent.
7. Links to Third-Party Websites
Our Sites may link to third-party websites. Their privacy and security practices may differ from ours, and we are not responsible for their content or policies.
We encourage you to review their Privacy statements before providing any personal information.
8. Policy Updates
We may update this Policy from time to time. When changes are made, a revised version will be posted on this page with an updated “Last Updated” date. Changes take effect when posted unless otherwise stated. Continued use of the credit union’s Sites after changes become effective indicates acknowledgement of the revised Policy.
Questions?
If you have questions about this Policy or our privacy practices, please contact us at:
1-888-821-2400 | PO Box 20450, Lehigh Valley, PA 18002 | ithrive@firstcomcu.org