1. Acceptance of Terms
By accessing or using the Saving Texas Credit Union website and related services, you agree to be bound by these Terms & Conditions and by our Privacy Policy. If you do not agree, please do not use our services.
2. Membership & Accounts
Membership in Saving Texas Credit Union is subject to our bylaws and membership eligibility requirements. Account opening and maintenance are governed by the account agreements you sign when becoming a member.
3. Online & Electronic Services
Access to online banking, mobile services, and any electronic communications is provided subject to additional agreements and security rules. You are responsible for maintaining the confidentiality of your access credentials and for all activity under your accounts.
4. Fees & Charges
Fees, service charges, and rates are disclosed in our fee schedule and account agreements. We reserve the right to change fees with notice as required by law.
5. Loans & Rates
All loan rates, terms, and qualifying criteria are determined according to our lending policies and applicable law. Loan approvals are subject to creditworthiness and underwriting requirements.
6. Intellectual Property
All content on this site (text, images, logos, and design) is the property of Saving Texas Credit Union or its licensors and is protected by copyright and other intellectual property laws.
7. Disclaimer & Limitation of Liability
We provide information on an "as is" basis and do not warrant its accuracy or suitability. To the fullest extent permitted by law, Saving Texas Credit Union is not liable for incidental, consequential, or punitive damages arising from use of this site or any linked services.
8. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to its conflicts of law principles.
9. Changes to Terms
We may update these Terms periodically. When material changes are made, we will provide notice on the website or by other reasonable means.
10. Contact
If you have questions about these Terms, please contact us at [email protected] or at our address: 200 Main St, Sulphur Springs, TX 75482.