Privacy Policy

Kern Federal Credit Union understands the importance of protecting the privacy of our members' information. As such, we are committed to maintaining the confidentiality of each member's financial records consistent with state and federal laws.


Privacy Policy


Kern Federal Credit Union is committed to protecting your privacy by safeguarding the limited amount of personal information we obtain through our public web site. We do not collect information about individuals on our web site. We do collect and store information about the name of the domain from which you access the Internet, such as Compuserve.com or att.net and the date and time you access our site. We collect information on visitors only in the aggregate and use it for internal review purposes only.


You will remain anonymous unless you choose to e-mail us. Keep in mind that your e-mail address and any other information your e-mail header shows about you will be revealed to us in e-mail. We will use this information only for the specific purpose to respond to you.


We reserve the right to change this policy at any time by posting a new privacy policy.


Privacy Notice


Kern Federal Credit Union is committed to providing you financial products and services to meet your financial goals. This notice describes our privacy policy and practices that protect your privacy and enable us to share information to make available competitive financial products and services. If after reading this notice you have any questions, please contact us at (661) 327-9461, or if outside of Bakersfield (800) 336-KERN (5376).


Information We Collect and Disclose About You


We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
  • Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, and credit card usage;
  • Information we receive from a consumer reporting agency, such as your creditworthiness and credit history;
  • Information obtained when verifying the information you provide on applications or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions;
  • Information we may obtain from providers of marketing and demographic information, such as income, property ownership and property values.
  • Kern Federal Credit Union's site is not intended for children under the age of 18, and Kern Federal Credit Union does not knowingly collect personal information about those children.

We may disclose all the information we collect


We may disclose all the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not allow these companies to sell the member information we provide to other third parties.


Lastly, in order to conduct the business of the credit union, we may disclose nonpublic personal information about you as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

Disclosure of Information About Former Members


If you terminate your membership with Kern Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.


How We Protect Your Information


We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.


What You Can Do to Help Protect Your Privacy


Kern Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:


  • Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen
  • Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
  • Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

If you have questions concerning this notice, please do not hesitate to call us - we are here to serve you.