Notice, Terms & Conditions

We are pleased to provide the Our Community Credit Union Internet site in the domain www.ourcu.com (“Site”). It is provided subject to the following terms and conditions. (Please read them carefully, as any use of the Site constitutes your agreement to all of them, including but not limited to our Privacy Policy.) If you do not agree, please exit the Site at this time.

License Grant and Use Restrictions; Your Indemnification
Our Site is intended to provide members of Our Community Credit Union (“you”) easy access to information about Our Community Credit Union and Community Financial Center (“OCCU,” “CFC,” “we” or “us”). We grant you a nonexclusive, revocable license to copy or print an unaltered permanent copy of information on the Site for your personal use, non-commercial purposes only. You may not otherwise copy, modify, publicly distribute or display, perform, publish, license, create derivative works from, transfer or sell anything obtained from this Site. You agree that you will not alter any Site information and will not use (or allow others to use) the Site or any information obtained from it for any wrongful, unauthorized or unlawful purpose and agree to indemnify and hold us and our affiliates harmless from and against any loss, damage or expense (including attorneys fees) incurred by them because of any such use.
Privacy
We understand that you are concerned about privacy. For information about how we treat information that you provide us through the Site, please see our Privacy Policy which is incorporated into these Terms and Conditions.
Information Accuracy—NO WARRANTIES
All information is either generated by us or is obtained from sources believed by us to be accurate and reliable as of the date posted on the Site. However, because of the possibility of human and mechanical error, delayed updates, as well as other factors such as the difficulty of securing a web site from unauthorized alterations or the occurrence of a system breakdown or other unavailability, neither we nor any of our affiliates provides any representations or warranties regarding the Site or any information in it. The Site and all information is provided “AS IS” and with all faults, and we make no representations and disclaim all implied warranties of every kind, including warranties or any duties (if any) as to accuracy, timeliness, completeness, suitability, availability, merchantability and fitness for any particular purpose, or lack of negligence or viruses. We do not provide any warranty against infringement or of quiet enjoyment, and make no express warranties.
Links to Other Sites
The Site contains links to other sites. Some of the links from our Site will take you off the ourcu.com site to a third party or co-branded site where you may see the OCCU logo as well as the logo of another service provider. Third party and cobranded sites include, but are not limited to: Equifax, Credit Union Direct Lending, Meridianlink, Allied Solutions, Auto Smart, Linsco Private Ledger, Inc (LPL), Propay.
Any information you provide to these third party and cobranded sites is collected by the service provider. Each of these third party and cobranded sites have separate privacy statements. Please be aware that OCCU cannot be responsible for the privacy practices or content of other sites. We also have links from ourcu.com to fully branded service provider sites. As you view information on a fully branded site you will see a change in the URL but the pages appear as OCCU’s and the service provider is not identified. All information collected on fully branded sites is used by OCCU only and is not shared or used for any purpose other than processing your application and providing the requested service, but may be transferred as part of an acquisition or an insolvency proceeding. Fully branded sites include, but are not limited to: Check images (Wave), Bill payment (Check Free) Online Banking (Harland Financial Services), and eStatements (Business Data, Inc.). 
Remote Deposit Capture Application End user License Agreement
RDC User Agreement on mobile devices.
Computer Virus Information
It is possible to contract a computer virus or other malicious code by using the Internet or materials downloaded from it. We cannot assure you that the Site and any software or other information downloaded from it will be virus or problem free and disclaims any liability (if any) for viruses and similar problems. We attempt to keep our site virus free, but cannot assure you that our efforts will always be successful.
NO INCIDENTAL OR CONSEQUENTIAL DAMAGES
To the full extent allowed by applicable law, you agree that neither we nor any of our affiliates will be liable to you and/or any third party for any consequential or incidental damages (including but not limited to lost profits or lost opportunity), or any other indirect, special, or punitive damages whatsoever, that arise out of or are related to the Site, or any use of it or information in it, even if we have been advised of the possibility of such damages. This exclusion of damages includes damages claimed in any cause of action, including but not limited to legal or equitable proceedings and claims relating to contract, tort products liability.
LIMITATION ON DAMAGES AND EXCLUSIVE REMEDY
You agree that your recovery for any allowable damages will be limited to those that you incur in actual reliance and shall be limited, at our election, to: (1) a refund of any amount (if any) you paid for information from the Site or for any use that caused a problem or (2) correction or replacement of the information. Any failure or unconscionability of any remedy does not affect the enforceability of the limitations on and exclusions of consequential, incidental and other damages, and you expressly agree that those limitations and exclusions are independent of the performance of any or all agreed remedies. All limitations will apply to all legal and equitable theories, including but not limited to contract, tort and products liability.
Changes and Availability
We reserve the right to change these terms and conditions from time to time, however, so you agree to check the Terms and Conditions periodically to make sure you remain comfortable with it. Each time you visit our Site, you agree to Check for Changes to Terms and Conditions. No changes proposed by you or us will be effective unless and until they appear in these Terms and Conditions. If you do not want to be bound by any changes, you must not use the Site after their effective date.
We also reserve the right to terminate the Site or your license, make access unavailable, and change the Site content, with or without reason or notice at any time. Accordingly, if you would like a copy of something that you are authorized to copy, you should copy it when you see it.
Washington Law, Forum, Statute of Limitations, Etc.
This agreement is governed by the laws of the State of Washington, U.S.A. You consent to the jurisdiction and venue of the courts in Mason County, WA, in all disputes arising out of or relating to the Site, any use of it or any information in it.
You agree that a printed or electronic version of these terms and conditions (as changed from time to time) will be admissible in any judicial or administrative proceedings to the same extent as paper records. If you ever believe we have not adhered to this contract or are liable for any other reason, please contact us immediately. If you feel compelled to bring a lawsuit or other proceeding, you must do so within one (1) year of the date you have a right to sue. Any clause of these Terms and Conditions declared invalid shall be deemed severable and not affect the validity or enforceability of the remainder.
Copyright and Trademark Notices
All contents of this Site are: Copyright © 2008 Our Community Credit Union and/or our suppliers, U.S.A. All rights not explicitly granted herein are reserved. Some product and company names mentioned herein may be the trademarks of their respective owners.
We want to be of Service.
Contact us if you have questions or problems with this Site.
Thank you for allowing us to be of service.
Reviewed: December 31, 2015 |   Revised: February 3, 2016
Daily Periodic Rates:
10.50% 0.028767
12.95% 0.035480
15.50% 0.042466
18.25% 0.050000
10.75% 0.029452
13.00% 0.035616
15.75% 0.043151
18.50% 0.050685
10.90% 0.030277
13.25% 0.036301
16.00% 0.043836
18.75% 0.051370
11.00% 0.030137
13.50% 0.036986
16.25% 0.044521
19.00% 0.052055
11.25% 0.030822
13.75% 0.037671
16.50% 0.045205
19.25% 0.052740
11.50% 0.031507
14.00% 0.038356
16.75% 0.045890
19.50% 0.053425
11.75% 0.032192
14.25% 0.039041
17.00% 0.046575
19.75% 0.054110
12.00% 0.032877
14.50% 0.039726
17.25% 0.047260
20.00% 0.054795
12.25% 0.033562
14.75% 0.040411
17.50% 0.047945
20.25% 0.055479
12.50% 0.034247
15.00% 0.041096
17.75% 0.048630
20.50% 0.056164
12.75% 0.034932
15.25% 0.014781
18.00% 0.049315
20.75% 0.056849