SMS Terms and Conditions

MY CREDIT UNION SMS Messaging Terms

Effective Date: 12/1/2025

Introduction

By joining our SMS program provided by MY CREDIT UNION you agree to receive recurring text messages (notifications, updates, and reminders) on the number you provide, under these Terms that adhere to TCPA (2025) and CTIA Best Practices.

1. Opt-In Consent

In accordance with the 2025 TCPA guidelines, your participation in our SMS service requires explicit one-to-one consent. This means that by opting in, you consent to receive messages from MY CREDIT UNION only. Consent cannot be shared with other companies or third-party entities without your direct approval.

To join our SMS program, you may opt in through the following methods, in compliance with the 2025 CTIA Guidelines:

  • Verbal Consent: Offer verbal consent by clearly agreeing to SMS participation after being read a compliant SMS consent disclosure.

2. Message Frequency

You will receive no more than 3-5, unless for urgent notifications. Standard carrier rates apply.

3. Opt-Out Process

Reply “STOP” any time to end messages; “HELP” to receive support instructions; or contact callcenter@mymncu.org / 612-798-7100.

4. Terms of Consent

Your consent is voluntary and not a condition of purchase. You may receive informational messages as described at opt-in.

5. Privacy Policy

Your mobile number and interaction data are governed by our Privacy Policy: www.mymncu.org/privacy-policy. Data is used solely for SMS delivery purposes.

6. Message & Data Rates

Standard rates may apply per your carrier plan. MY CREDIT UNION is not liable for carrier charges.

7. Record-Keeping & Compliance

We maintain detailed logs of opt-ins/opt-outs (dates, times, methods) to satisfy TCPA 2025 proof-of-consent requirements.

8. Changes to Terms

The credit union may, from time to time, update this policy. We will notify you of any material changes by communicating via SMS, on our website mymncu.org, or other appropriate written or oral communication. Continuing to use this service after any updates constitutes your acceptance of the new terms and conditions.

9. Disclaimers & Liability

Message delivery depends on carrier networks; we cannot guarantee uninterrupted service or delivery times.

Contact Information