Account Disclosures,Terms & Conditions

Listed below are BrightStar CU's account disclosures. To read or print the disclosures, simply click the link to open the pdf document.

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BrightStar Credit Union Disclosures »

BrightStar Credit Union Privacy Notice»

BrightStar Credit Union Business Account Disclosures »

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Disclosures are subject to change at any time.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

“The US Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft and the spread of terrorism.  It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.  Your cooperation is needed when you open a new account or request a loan.  You may be asked more questions to establish and confirm your identity.  It may also require for you to provide one or more of the following types of identification: driver’s license, passport and country of issuance, U.S. tax payer identification (ID) number, alien ID card, or any other government issued document evidencing nationality or residence.”


NOTICE OF CHANGES IN TEMPORARY NCUA
INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a ‘‘noninterest-bearing transaction account’’ are insured in full by the National Credit Union Administration through December 31, 2012.  This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules.

The term ‘‘noninterest-bearing transaction account’’ includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend.  It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (‘‘NOW’’) account, money market deposit account, and Interest on Lawyers Trust Account (‘‘IOLTA’’), even if share drafts may be drawn on the account.  For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.

Terms and Conditions

Copyright 2004-2007 by BrightStar Credit Union. All Rights Reserved. All information contained on or available via the BrightStar CU web site is protected by copyright law in the United States of America and in other countries. Unless otherwise specified, no one has permission to copy, display, distribute, republish, or create derivative works from such information in any form.

Permitted Use

Any person is hereby authorized to view the information available from the BrightStar CU web site for his or her informational purposes only and to print out pages from this Web Site for his or her own informational purposes only.

Third Party Links

Links to third-party sites are provided for your convenience. Such sites are not within our control and may not follow the same privacy or security standards as ours. The third-party is responsible for the content and availability of its sites, partners or advertisers.

Disclaimer of Warranties
The information contained in or accessed via the BrightStar CU web site is provided “as is” without warranty of any kind, either expressed or implied. Moreover, no warranty is made that operation of the BrightStar CU web site shall be error-free, virus-free or uninterrupted. This web site could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein. BrightStar CU makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. For all of the products and services described on this web site, conditions, credit approval and other qualifications may apply. All information, including rates, fees and other conditions are subject to change at any time. Any and all offers made on this web site are subject to change or end without notice. Ask a representative for complete details.

For information about Privacy and Security, go to Privacy and Security.