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Privacy Policy

You may direct any questions or concerns regarding our Privacy Policy in writing to:
Southwest Michigan Federal Credit Union
ATTN: Privacy Policy
4000 S Sprinkle Rd
Kalmazoo, MI 49001
email us at:


Southwest Michigan Federal Credit Union (SMIFCU) is committed to protecting the privacy of our members. In general, you can visit us on the world wide web without disclosing to us who you are or revealing any information about yourself. There are several areas, however, that will collect certain information about you and we want you to know how we handle that information.

If you visit our website, SMIFCU collects and stores information on the domain you use to access our website, the Internet address of the site from which you linked directly to the site, and the date and time of your visit. This information is used to measure the number of visitors to the various pages on our site to better serve our membership.

If you send an email, SMIFCU collects and stores personally-identifying information in order to process your email, form or application. This information is not sold to any third parties. Due to the volume of email activity, these messages are deleted after they are answered or completed.

If you visit a secure site, such as home banking, you will be asked for personal identification numbers which will give you access to the member only section of our website. This information allows SMIFCU to regulate entry to the member only portions of our website and to measure member usage. Any identifying information gathered is not sold to third parties.

If you link to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site. We make every effort however, to ensure that all linked sites follow similar privacy policies as ours to offer you maximum security and privacy.

Fee Schedule

Credit unions are able to keep fees at a minimum because they are not focused on making a profit for stockholders. On average, credit unions charge lower fees overall for savings and checking accounts, wire transfers, and more! See Southwest Michigan Federal Credit Union's current fee schedule.

Social Media

Southwest Michigan Federal Credit Union maintains several social media pages and enjoys interacting with our members via social media. In an effort to protect our members and their right to engage via social media outlets, we have established a Terms of Use for our social media pages.

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