Privacy Policies
Privacy Notice
| FACTS | What does Kerr County Federal Credit Union do with your personal information? |
|---|---|
| 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:
|
| 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 Kerr County Federal Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Kerr County FCU 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 |
Yes | No |
| For our marketing purposes — to offer our products and services to you |
Yes | No |
| 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 nonaffiliates to market to you | No | We don't share |
| To limit our sharing | Call (800) 491-9594 • Email us at: info@kerrcountyfcu.com | 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 (800) 491-9594 or go to www.kerrcountyfcu.com | |
SMS/Text Messaging Terms & Conditions and Privacy Policy
Effective Date: 6/9/2026
Kerr County Federal Credit Union
Address: 500 Main St, Kerrville, TX 78028
Phone: 830-896-6800
Website: www.kerrcountyfcu.com
Purpose
Kerr County Federal Credit Union (“KCFCU,” “we,” “our,” or “us”) may use SMS/text messaging to communicate with members and applicants regarding credit union business, including account servicing, lending, loan servicing, collections, appointments, follow-up items, and other member service communications.
These messages may be sent by authorized KCFCU employees or service providers using a computer-based messaging platform. This text messaging program is intended for credit union business communications and is not intended for marketing or promotional messaging.
Consent to Receive Text Messages
By providing a mobile phone number to KCFCU and consenting to receive text messages, members, and applicants authorize KCFCU and its service providers to send text messages to the mobile number provided for account-related, lending, servicing, collections, and other credit union business purposes.
Consent to receive text messages is not a condition of membership, obtaining a loan, or receiving credit union services, unless text messaging is necessary for a specific service you request.
You are responsible for ensuring that the mobile phone number you provide to KCFCU is accurate and current. If your mobile number changes, you should notify KCFCU promptly.
Types of Text Messages
Text messages may include, but are not limited to:
Loan application or loan servicing communications
Loan document or signing reminders
Payment reminders
Collections-related communications
Account servicing questions• Appointment or follow-up reminders
Member service communications related to KCFCU business
Message frequency may vary based on your relationship with KCFCU, account activity, loan status, or service needs.
Message and data rates may apply. Contact your mobile carrier for details about your text messaging plan. KCFCU does not charge a separate fee for receiving text messages.
Opt-Out Instructions
You may opt out of receiving text messages from KCFCU at any time by replying STOP to a text message from KCFCU.
KCFCU will also treat any clear request to stop receiving text messages as a revocation of consent, whether received by text message, phone, in person, or another reasonable method. Examples may include a member stating that they no longer wish to receive text messages or asking KCFCU not to text them.
After an opt-out request is received, KCFCU will process the request as soon as reasonably practicable and within the time required by applicable law. Once processed, KCFCU will not send further text messages from that messaging program or number unless you provide consent again.
Help Instructions
You may reply HELP for assistance or contact KCFCU directly:
Kerr County Federal Credit Union
Phone: 830-896-6800
Website: www.kerrcountyfcu.com
Privacy Policy for Text Messaging
KCFCU respects member privacy. Mobile phone numbers and text messaging consent records are used for credit union business purposes, including account servicing, lending, collections, member support, and related communications.
KCFCU does not sell, rent, or share mobile phone numbers or text messaging consent information with third parties or affiliates for their marketing or promotional purposes.
KCFCU may share information with service providers as necessary to deliver text messages, support credit union operations, comply with legal or regulatory requirements, protect KCFCU’s rights and interests, protect members, or as otherwise permitted by law.
Information Security
KCFCU takes reasonable measures to protect member information, including mobile phone numbers and text messaging records. However, text messaging may not be encrypted and may not be appropriate for transmitting sensitive personal, account, or financial information.
You should not send sensitive information by text message, including full account numbers, Social Security numbers, card numbers, PINs, passwords, security codes, or other confidential information.
KCFCU may send general servicing or follow-up messages by text, but KCFCU will not ask you to provide your password, PIN, full Social Security number, or full account number by text message.
Member Responsibilities
You should notify KCFCU if your mobile phone number changes, if you no longer wish to receive text messages, or if you believe a text message was sent to you in error.
You should contact KCFCU immediately if you have concerns about the authenticity of a text message claiming to be from KCFCU.
Contact Information
Questions regarding KCFCU text messaging terms, privacy practices, or opt-out requests may be directed to:
Kerr County Federal Credit Union
500 Main St
Kerrville, TX 78028
Phone: 830-896-6800
Website: www.kerrcountyfcu.com