New for Green River Area FCU members! Click on the link below to apply for a GRAFCU Visa Credit Card.Enjoy the convenience of using our cards anywhere Visa is accepted — worldwide and online.
ABOUT US
Green River Area Federal Credit Union has been serving its members with top quality financial products and services since 1959.
 
The Credit Union is a true representation of the "people helping people" philosophy unique to all credit unions. The Credit Union provides members with a safe place to save money and obtain credit.

The Credit Union is owned and operated by its members. Annually, the membership elects individuals from its own ranks to serve as members of the Board of Directors.

Rates are very competitive and there are a full range of financial services designed to meet your needs. Plus, our staff is always ready to help you and answer any questions you might have. Welcome to the Credit Union. Let us know if we can be of assistance.
YOUR MONEY IS SAFE AND SECURE AT YOUR CREDIT UNION

We may not be able to lower the price of gas and groceries, but at GRAFCU, we will do everything we can to protect your money. You can rest assured your money is safe and secure at your Credit Union.

YOUR MONEY IS INSURED

Funds on deposit at GRAFCU are protected by the National Credit Union Administration (NCUA). NCUA also operates and manages the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is backed by the full faith and credit of the U.S. Government. Your share insurance is similar to the insurance protection offered by the Federal Deposit Insurance Corporation (FDIC).

The NCUSIF provides all members of federally insured credit unions with $250,000 in coverage for their individual accounts. These accounts include regular shares, share (checking) drafts, money market accounts, and share certificates. There is increased coverage for retirement accounts. If you have a regular share account and an IRA at the credit union, the regular share account is insured up to $250,000 and the IRA is separately insured up to $250,000. The coverage on joint accounts is different in that a two person joint account has $500,000 in coverage. This coverage is separate from and in addition to the coverage available for other accounts such as individual and retirement accounts.
OWENSBORO 
MAIN OFFICE
HENDERSON
BRANCH OFFICE
SCOTT BEYKE
CEO/PRESIDENT

CYNTHIA SHANKS,
CEO/PRESIDENT ELECT

CINDY PAGE, OFFICE MANAGER

TERRI CHILDRESS, BRANCH MANAGER

3000 EAST FOURTH STREET
OWENSBORO, KY  42303
PHONE: (270)926-0210
FAX: (270)926-2058
greenriverafcu@mindspring.com
902 SECOND STREET
HENDERSON, KY  42420
PHONE: (270)826-0927
FAX: (270)826-9533
grafcuh@mindspring.com


shanksgrafcu@mindspring.com
OFFICE: (270) 926-0210
CELL: (270) 929-5072

BUSINESS HOURS:
8:30 A.M. TO 4:30 P.M. MON.-THURS.
8:30 A.M. TO 5:00 P.M. FRIDAY
HOLIDAY CLOSINGS

New Year's Day
Martin Luther King, Jr. Birthday
Washington's Birthday
Memorial Day
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving Thursday & Friday
Christmas Eve close at 12:00
Christmas Day


UPDATE YOUR CONTACT INFORMATION

Keep your contact information (address, phone numbers, email) updated with the credit union so that we may contact you quickly in the event it is necessary. Events such as data breaches that have occurred in recent years with merchants and their processors require timely action to prevent fraud and mitigate risk to our members as well as the credit union. Current contact information can be provided at your local office, or by mail with your signature authorizing the update.
STAFF
OWENSBORO - MAIN OFFICE HENDERSON - BRANCH OFFICE
TERRI CHILDRESS, BRANCH MANAGER


KELLY BLANFORD, ASSISTANT BRANCH MGR. & LOAN OFFICER


MELODY GRIFFIN, MEMBER SERVICE REP.


RYAN MURRAY, MEMBER SERVICE REPRESENTATIVE


MICHAELA KAMUF, PART TIME MBR. SVC REP.
  CYNTHIA SHANKS, CEO/PRESIDENT

SCOTT BEYKE, RETIRING CEO/PRESIDENT


CINDY PAGE, OFFICE MANAGER

MALLORY MILLER, BOOKKEEPING & CARD SERVICES MGR.

MICHELE WRIGHT, LOAN MANAGER & MARKETING

JENNY LADD, LOAN OFFICER

AARON PAYNE, MEMBER SERVICES REPRESENTATIVE
PRIVACY POLICY
Green River Area FCU is committed to making available financial products and services that will enable our members to meet their financial needs and reach their financial goals. Protecting personal information and using it in a manner consistent with our members' expectations is a high priority for everyone associated with our credit union. As members of GRAFCU, our members also have a responsibility to safeguard their financial information. To ensure that our members can rely upon the quality of products and services we make available, GRAFCU stands behind the following policy:

* Our credit union will collect only the personal information that is necessary to conduct our business. That means just what is necessary to provide competitive financial products and services and to safeguard the assets of the credit union.

* Our credit union will protect our members' personal information. Our credit union wil maintain strong security controls to ensure that member information in our files and computers is protected. Where appropriate, we will use security coding techniques to protect against unauthorized access to personal records. ensure accuracy and integrity of communications and transactions, and protect member confidentiality. The credit union shall restrict access to member information to those employees, directors and other volunteers who have need for it to provide products and services to the members or to fulfill their legal or fiduciary responsibilities. Credit Union employees and volunteers will be informed of their responsibility to protect confidential member information and are bound by this Privacy Policy.

* Our members shall have reasonable access to their information. As members of GRAFCU, our members will always have the opportunity to review the information the credit union retains in their records during normal business hours. The credit union has the responsibility to ensure that the records are complete and accurate

* GRAFCU will not disclose nonpublic personal information (as defined in NCUA Rules & Regulations, Part 716) to non-affiliated third parties except:
     *When the member authorizes the disclosure;
     *When the disclosure is authorized by applicable law;
     *When such disclosure is required to complete a transaction;
     *When to comply with any court order, applicable law or regulation;
     *To verify the existence and condition of an account for a third party as permitted by law;
     *When the credit union has a joint marketing agreement with a third party financial institution (such as an insurance company) and the third party financial insittition is contractually obligated to keep any disclosed nonpublic personal information confidential and to use the information only for the purpose of the joint marketing agreement.

* GRAFCU will not share information with non-affiliated businesses. Under no circumstances will we authorize any firm to charge our members' account without our member's express consent and the credit union will not sell member information to telemarketing firms.
* The credit union shall not be responsible for the privacy practices or content of any website linked to Green River Area FCU's website.
* The credit union will provide and maintain a document shredder in each office for the safety, privacy and convenience of our members.
* The credit union does not disclose any nonpublic personal information of nonmember consumers who occasionally use credit union services such as cashing payroll checks of the credit union's sponsor.

Green River Area Federal Credit Union collects nonpublic information about you from the following sources:
     *Information we receive from you on applications or other forms;
     *Information about your transactions with us or others;
     *Information we receive from a consumer reporting agency; and
     *Information we receive when verifying information you provided us.

We may disclose all of the information we collect about our members and former members as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose nonpublic personal information about our members and former members to nonaffiliated third parties as permitted by law.

GRAFCU restricts access to your personal information to those employees, directors and supervisory committee members who need to know that information to provide products and services to you or perform their duties under federal or state regulations. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

As a member of our credit union, you also have a responsibility to safeguard your financial information. Members can help by following these simple guidelines:
     * Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your ATM/Debit Card which can provide free access to your accounts if your card is lost or stolen.
     * Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number you should beware. Official credit union staff will have access to your information and will not need to ask for it.
     * Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know as soon as possible.

Internet Privacy Policy Statement

Thank you for visiting the GRAFCU website and reviewing our internet privacy policy.
Information collected and stored automatically.
For site security purposes and to ensure that this service remains available to all users, GRAFCU employs software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.
For site management, information is collected for statistical purposes. Computer software programs are used to create summary statistics, which are used for such purposes as assessing what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas. No personal information, such as your name or address, is collected or used for this analysis. We collect no information which would identify you personally.
Information Collected from E-mails and Web Forms
When you send us personally identifying information, for example, in an electronic mail message containing a question or comment or by filling out a form that emails us this information to fulfill or respond to your requests. We may store these requests to provide us with information for future improvements.
GRAFCU will use SSL (Secure Socket Layer) technology, which is the industry standard protocol for secure, web based communications. This technology creates a secure communication channel through authentication and encryption of data. These layers of privacy protection ensure that information cannot be viewed if it is intercepted by unathorized parties.