We don’t ever want our members to be surprised with fees. The attached fees and charges may be assessed against your account. Fees and charges are subject to change.
2025 Holiday Closings
Wednesday, January 1 – New Year’s Day Monday, January 20 – Martin Luther King, Jr. Day Monday, February 17 – President’s Day Monday, May 26 – Memorial Day Thursday, June 19 – Juneteenth National Independence Day Friday, July 4 – Independence Day Monday, September 1 – Labor Day
Monday, October 13 – Columbus Day Tuesday, November 11 – Veterans Day Thursday, November 27 – Thanksgiving Friday, November 28 – Day after Thanksgiving Wednesday, December 24 – Christmas Eve Thursday, December 25 – Christmas Day
Skip-A-Pay
Skip your loan payment this month with our Skip-A-Pay offer. For just $25 per loan, you may skip a loan payment this holiday season. Mortgages and credit cards are excluded from this offer.
To apply to skip your loan payment, simply fill out this easy form and return it to the credit union at least 5 days before your payment is due. Complete a separate form for each loan.
With the ever-increasing fraudulent attempts to capture your debit and credit card information, and your banking account numbers, here are three major items to keep top-of-mind:
Our team will NEVER call, email, or text asking you to give us your debit or credit card information or your member account numbers. Our office hours in Hermitage are 8:00 AM to 4:00 PM and we will not call you after hours.
Our VISA debit and credit card fraud departments may send out a text at varying hours if there is an unusual charge attempt, but they will only verify transactions, they will never ask you for any of the information found on your physical card (like the expiration date or security code on the back).
Be suspicious of any call from ANY company asking for your card/banking numbers or accusing you of wrongdoing of any kind. The fraudster’s goal is often to create fear or anger so you’ll share info they can use to steal your money. The real IRS will not call you, toll-booths will not text you, claims of past banking relationships and money-owed from years ago need to be verified by your calling the bank during banking hours, and a real government or law enforcement office will not call you for money because of missed jury duty. All of these types of attempts are trying to steal your money.
We’ve had members in their thirties give away their money all the way up to members in their eighties be scammed. Awareness is important for all members.
If you are ever suspicious, please call us at 615-883-4019 and we are happy to help you research or offer advice on next steps.
Security Information
This loan application service performs regular vulnerability scans and penetration tests to ensure the confidentiality, integrity and availability of our systems and data. The loan application service utilizes both internal and external resources to perform various testing to include but not limited to, vulnerability scans using multiple vendors, web application penetration tests, network architecture reviews, source code review and penetration testing.
Terms of Use
LAST UPDATED: October 30, 2025
This Agreement, sometimes referred to as ‘Terms of Use’, comprises the terms governing your use of the outreachcu.com applications which we use to offer you the ability to complete and submit a loan or membership application online. By continuing to use the site, you accept and agree to the following terms and conditions, as the same may be revised from time to time:
‘We’, ‘us’, ‘our’ and ‘Credit Union’ refer to Outreach Federal Credit Union.
You agree to use the site in a manner consistent with these Terms of Use.
You may not transfer, sell, or otherwise assign your rights or obligations under this Agreement.
We may terminate your access to and use of the Platform at any time.
This Agreement incorporates the Privacy Statement set forth on this Platform as the same may be modified from time to time.
You acknowledge that the Credit Union or its licensors own and hold all intellectual property and proprietary rights, title and interest in the site, and that your use of the same does not transfer any rights in the same to you. You agree:
not to copy, reproduce, distribute, publish, display, perform, modify, or create derivative works from the site. You may only download material from this site for your own use as follows: you may make one machine readable copy and/or one print copy that is limited to occasional items of individual interest only. You may not remove or amend any trademark, copyright or other proprietary notice. Without limiting the generality of the foregoing, you may not distribute any part of this site over any network, nor sell or offer it for sale. You may not copy, de-compile reverse-engineer, disassemble, modify, or create derivative works of the site. Any Open Source software used on the site is provided in accordance with the terms of the applicable Open Source Software license, and Credit Union and its licensors are not a party to the same. We reserve all rights that are not specifically granted to you.
That you are expressly prohibited from presenting the site in a setting created by you or a third party (e.g., through framing), particularly (but not exclusively) where that setting includes advertising or other materials that we have not expressly authorized to be displayed with the site.
That any of your questions, comments, or suggestions for improvements regarding the site or the services that you email, post, or otherwise transmit to Us (your “Communications”) will become the property of the Credit Union. You hereby relinquish and assign to the Credit Union the worldwide, royalty free, right and title to run, use, re-use, implement, copy, display, and create derivative works from, those Communications, including any ideas, concepts, know-how, or techniques contained in your Communications for any purpose.
All content and functionality displayed, provided, reproduced, or distributed by us on the site are for information purposes only and are not intended as, and are not a substitute for advice, including, without limitation, a professional’s advice on legal, tax, insurance or investment matters.
If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You should not disclose it to any other person or entity. You also acknowledge that your account is personal to you. You should not provide any other person with access to this Website or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.
Where we provide or enable links to third party sites, we do so for information purposes only and we accept no liability for your use of the same.
You will be responsible for all charges and obligations incurred, and liabilities for harm caused, and for all actions taken, through your use of this site.
You agree to indemnify and hold us harmless from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from use of this site, including, but not limited to, any violation of this agreement, or the failure to fulfill any obligations relating to use of the site.
You warrant that: you will not use any electronic communication feature of the site for any purpose that is abusive, tortious, intrusive on another’s privacy, harassing, libelous, defamatory, obscene, threatening, hateful, or otherwise unlawful; you will not post any materials that infringe on rights of third parties; and, you will not upload or transmit any virus or other malware.
THIS SITE AND ALL SOFTWARE AND SYSTEMS USED OR PROVIDED AS PART OF THIS SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE HEREBY SPECIFICALLY DISCLAIM ANY AND ALL REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE CONTENT, FUNCTIONALITY, OR MATERIALS PROVIDED BY US HEREUNDER, INCLUDING, WITHOUT LIMITATION OF THE FOREGOING, ANY WARRANTY REGARDING OWNERSHIP, ACCURACY, TIMELINESS, COMPLETENESS, AND AVAILABILITY, AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THOSE ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS, WE DISCLAIM LIABILITY, AND YOU AGREE THAT WE ARE NOT LIABLE, FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING OUT OF YOUR USE OF THE SITE OR ANY WEBSITE WITH WHICH IT IS LINKED, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A VIRUS, CLAIMS OF THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. THE FORGOING SHALL APPLY NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY REMEDY YOU MIGHT HAVE. No action, regardless of form, arising out of the transactions under this agreement may be brought by you more than twelve (12) months after the cause of action first arose.
You and we agree, pursuant to the E-Sign Act (‘the Electronic Signatures in Global and National Commerce Act’, as it may be amended from time to time), to treat electronic tokens of assent from you and from us, as binding expressions of assent by you and by us to contracts.
This site is offered and available to users who are 18 years of age or older and reside in the United States or any of its territories or possessions. By using this Website, you represent and warrant that (a) you are of legal age to form a binding contract for Outreach Federal Credit Union products and services, and (b) you meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.
We may revise the Terms of Use from time to time by posting changes to this website. Any such revisions shall be effective when posted and made available for your review. Your continued use of the site following such changes is your expression of assent to the modified terms.
These Terms of Use and ancillary agreements you have signed in connection with the use of the site contain the entire understanding between us with respect to any use of the site. Should any part of the Terms of Use be declared invalid or unenforceable by a court of competent jurisdiction, this shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms of Use had been eliminated.
Loan Request Privacy Statement
As your credit union, we collect your personal information to process the relevant loan application you are submitting. This Privacy Statement applies to the treatment of personally identifiable information submitted to us by, or otherwise obtained from you or with your permission, in connection with your application.
INFORMATION WE MAY COLLECT Personal Information You Provide to Us: We may receive and store any information you submit. The types of personal information collected may include your name, address, date of birth, gender, employment and financial information, e-mail address, Social Security number, beneficiary information and any other information necessary to provide the website services, process the application, and provide you with the products and services for which you applied. Credit report and card information is obtained by us as part of any credit report requests you authorize or as allowed by applicable law.
Personal Information Collected Automatically: We receive and store certain types of usage related information whenever you interact with the platform. For example, we may automatically receive and record information regarding your computer’s IP address, browser information, username, and demographic information.
SOCIAL SECURITY NUMBER POLICY
Social Security numbers may only be accessed by and disclosed when there is a legitimate business “need to know” in accordance with applicable laws and regulations. Social Security numbers, whether in paper or electronic form, are subject to physical, electronic and procedural safeguards, and are stored, transmitted, and disposed of in accordance with the provisions of the Information Handling Procedure applicable to Restricted information. These restrictions apply to all Social Security numbers collected or retained by us in connection with customer, employee, or other relationships.
HOW WE USE YOUR INFORMATION Information collected may be used to:
Improve the quality of your visits to the platform and your overall experience
Respond to your questions or suggestions
Fulfill your online application or enrollment requests
Send promotional offers to selected groups of platform visitors
Better determine your location
COOKIES or ANONYMOUS IDENTIFIERS
A cookie is an element of data that a website can send to your browser, which is then stored on your system. An anonymous identifier is a random string of characters that is used for the same purpose as a cookie on platforms, including certain mobile devices, where cookie technology is not available. A cookie or anonymous identifier is useful for having the system remember specific information across several pages or between visits. We do not store any sensitive information within your cookie or identifier. Also, our platform does not read any information stored in cookies given to you from other websites, except in rare cases where the other website is a provider of information or functionality within our platform and that cookie is necessary to make our platform function correctly.
This site uses cookies or anonymous identifiers for the following purposes:
website and application administration and personalization
completing your request
analysis of page, website and application information that does not identify specific individuals using third-party digital measurement or web analytics tools
You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it. You may also set your browser to display a warning when a cookie is used or disable it from accepting cookies. In order to provide you with the best possible experience, please enable cookies within your browser. Parts may not function properly if you disable cookies.
GOOGLE ANALYTICS
This site uses a tool called “Google Analytics” to collect information about use of this site. The Google Analytics Demographics and Interest Reporting feature runs on this site and creates a series of reports to show behavior information relating to visitor age, gender and interests. This data can also be used to segment standard reports and create remarketing lists. Visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings (google.com/settings/ads).
You can opt out of Google Analytics without affecting how you visit the platform. For more information on opting out of being tracked by Google Analytics, visit this Google page (tools.google.com/dlpage/gaoptout).
DO NOT TRACK
We do not currently have the capability to respond to Web browser do not track signals or other mechanisms that provide you with the ability to exercise choice regarding the collection of this information.
WHO WE SHARE YOUR INFORMATION WITH
We limit the release of information and we require strict privacy protections in our business relationships. We do not sell customer information. We may share your personal information with our affiliated companies, when required by law, or with third parties that perform functions on our behalf. OUR TREATMENT OF PERSONAL INFORMATION Our use of your personal information throughout this website is subject to a separate privacy policy, in addition to this Privacy Statement. Our privacy policy is linked to from within the website.
LINKING TO THIRD PARTIES When you leave this platform and go to another linked site, we are not responsible for the content or availability of the linked site. Please be advised that if you enter into a transaction on the third party sites, we do not represent either the third party or you. Further, the privacy and security policies of the linked site may differ from those practiced by us.
SECURITY OF PERSONAL INFORMATION
We safeguard your nonpublic personal information in accordance with applicable state and federal regulations. Our policies restrict access to personal information about you to designated personnel who need to know that information to provide products or services to you or may be responsible for maintaining security practices.
CHANGES TO THIS PRIVACY STATEMENT This Privacy Statement was last reviewed on 10/30/2025. We reserve the right to amend this Statement from time-to-time. Any material change to our privacy practices will be reflected in this Privacy Statement. We will indicate the date this Statement was last updated.
CONTACT US
If you have any questions concerning your privacy, please contact us at mail.outreachcu.com or by calling 615-883-4019.
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You are now leaving Outreach Federal Credit Union’s website and are going to a website that is not operated by the credit union. While we only link to sites that we feel will be beneficial to our members, privacy, accessibility, and security policies may vary between the credit union and this vendor.
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