Notices, Terms & Conditions
The Heritage Valley Federal Credit Union (York, PA) Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Heritage Valley Federal Credit Union Web Site constitutes your agreement to all such terms, conditions, and notices.
Modification of Terms of Use
Heritage Valley FCU reserves the right to change the terms, conditions, and notices under which the Heritage Valley FCU Web Site and Online Secured Services are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the Heritage Valley FCU Web Site and Online Services constitutes your agreement to all such terms, conditions, and notices.
In no event shall Heritage Valley FCU be liable for any lost data, use, profits, savings, goodwill, or indirect, incidental, special, consequential, exemplary or punitive damages arising out of or relating to your use or your inability to use information contained in this Web Site. Your sole remedy for any damages related to the use of this Web site or information downloaded from this Web site is to discontinue use of this Web site.
Personal and Non-commercial Use Limitation
Unless otherwise specified, the Heritage Valley FCU Web Site is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Heritage Valley FCU site.
Web site Content
All materials on this web site including but not limited to documents, audio, video, software and other data, are provided “as is” without warranties of any kind. The documents and graphics appearing in this Web site might include technical inaccuracies, typographical errors, and out-of-date information and use of any and all materials contained in this Web site is at your own risk. Content changes are made without notice and are made as timely as possible.
Pop-up Blockers
What are Pop-ups?
Unwanted pop-ups are screens that come up when you're surfing the internet. You go to one page, and an ad opens up on another page. Because they're so common and irritating, pop-up blockers are popular.
When you click on a link to intentionally open a web page in a new window, you are requesting a wanted pop-up. The problem is that most pop-up blockers interfere with wanted and unwanted pop-ups. Pop-up blocking software is very useful for blocking unwanted advertising, but it may also prevent you from viewing the pop-up windows used within heritagevalleyfcu.org. For that reason, they should be turned off while you're visiting our Web site. You can always turn the software back on once you have finished.
How do I disable Pop-up Blocking software?
One option is to add http://www.heritagevalleyfcu.org to a list of exceptions or allowed sites. Please review your browser's help documentation for further instruction.
You may have more than one pop-up blocking software running on your computer, i.e. through your browser and a toolbar add-on.
Email Security
Please be advised that regular email is not secure. Various parts of our Web site allow you to submit information to us by email. We strongly suggest that you do not provide personal or account information through email or make a request that sensitive and confidential information be emailed to you. We do have multi-layered security checks and balances in place to protect your personal and financial information when using our secure online services.
Receiving Email from Heritage Valley FCU
In order to ensure that your email notification does not get caught in spam or junk email filters, you need to add our email address to your friends list. Every e-mail system is different please review your email provider's help documentation for instruction.
No Unlawful or Prohibited Use
As a condition of your use of the Heritage Valley FCU Web Site and Online Secured Services, you will not use the Heritage Valley FCU Web Site and Online Secured Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Heritage Valley FCU Web Site and Online Secured Services in any manner which could damage, disable, overburden, or impair any Heritage Valley FCU Web Site and Online Secured Services (or the network(s) connected to any Heritage Valley FCU Web Site and Online Secured Services) or interfere with any other party's use and enjoyment of any Heritage Valley FCU Web Site and Online Secured Services(s). You may not attempt to gain unauthorized access to any Heritage Valley FCU Web Site and Online Secured Services, other accounts, computer systems or networks connected to any Heritage Valley FCU Web Site and Online Secured Services, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Heritage Valley FCU Web Site and Online Secured Services.
Your rights to use materials on this Web Site are limited by law. All information on this site is protected by copyright laws of the United States and other countries. Visitors to this Web Site may download a copy of materials on this site to a single computer for personal, non-commercial home use as long as all copyright, trademark or other proprietary notices are included in the material that is downloaded. Visitors to this site are prohibited from reproducing, redistributing, republicizing or retransmitting, any materials posted at this Web Site without the prior written permission of Heritage Valley Federal Credit Union (York, PA). You agree with Heritage Valley FCU that the statutes and laws of the Commonwealth of Pennsylvania, without regard to its conflicts of law principles will apply to all matters regarding use of this Web site. Accessing materials on this Web site from territories where these contents are illegal is prohibited and those who access this Web site do so on their own initiative and are responsible for compliance with local laws. Heritage Valley FCU makes no representation that materials contained on this Web site are appropriate or available for use in other locations.
Termination⁄Access Restriction
Heritage Valley FCU reserves the right, at its sole discretion, to terminate your access to the Heritage Valley FCU Web Site and Online Secured Services and the related services or any portion thereof at any time, without notice. Other restrictions may apply.
Heritage Valley FCU may also terminate or suspend your access to Heritage Valley FCU Web Site and Online Secured Services for inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by Heritage Valley FCU. Upon termination of the Heritage Valley FCU Web Site and Online Secured Services, your right to use the Heritage Valley FCU Web Site and Online Secured Services immediately ceases. Reinstatement to use of the Heritage Valley FCU Website and Online Secured Services may be made at the sole discretion of Heritage Valley FCU.
Copyright and Trademark Notices
All contents of the Heritage Valley FCU Web Site and Online Secured Services is: 2010 Heritage Valley FCU. All Rights Reserved and/or its suppliers, P.O. Box 3617, York, PA 17402. Any rights not expressly granted herein are reserved.
Rates and Terms
Rates and terms are subject to change daily. Please contact the credit union for current rates and terms.
Loans
All loans are subject to approval using standard underwriting guidelines set forth by Heritage Valley’s Lending Policies approved by the Board of Directors.
Important Information about Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your Driver's License or other identifying documents.
Truth in Savings Disclosure
Except as specifically described, the following disclosures apply to all accounts. Accounts described in schedule are share accounts.
Rate Information
The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the divided rate and frequency of compounding for an annual period. For savings, club, and IRA accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors. The dividend rate and annual percentage yield are the prospective rate and yield that the Credit Union anticipates paying for the applicable dividend period.
Nature of Dividends
Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
Dividend Compounding and Crediting
The compounding and crediting of dividends and dividend period applicable to each account are set forth in the rate schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
Accrual of Dividend
Savings, vacation, Christmas club and IRA account dividends will begin to accrue on non-cash deposits on the same business day the deposit is made to the account. If you close these accounts before accrued dividends are credited, accrued dividends will not be paid.
Balance Information
The minimum balance requirements applicable to each account are set forth in the rate schedule. For savings, vacation, Christmas club and IRA accounts, using an Average Daily Balance method, dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.
Third Party Link Disclosure
We provide links on our website to other Internet sites and resources. By accessing these links, you are leaving our website and going to the website of a third party not related to Heritage Valley FCU. We do not control these third party sites and resources and are not responsible for their availability, content or delivery of service. Heritage Valley FCU does not represent either the third party or the member if the two enter into a transaction. Other sites and resources may have different security and privacy policies than ours. Any decision of Web site visitors to view any of the linked Web sites is at their own risk.
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