Last Updated: [30/10/2024]

General Disclaimer

This Disclaimer applies to the use of CU Station™, including but not limited to the CU Station™ website, Consumer Portal, and FIM Portal.

MetaCato Inc. (MetaCato) is the owner/operator of the CU Station Platform. By accessing and using the platform, you agree to comply with the terms and conditions set forth by MetaCato. By accessing these terms of use, you agree to comply with this Disclaimer in its entirety.

If you do not agree to any part of these terms, you must cease using the website immediately. MetaCato reserves the right to amend or update these terms at any time. Any changes will be effective immediately upon posting. It is your responsibility to review the terms regularly, and your continued use of the website constitutes acceptance of any revisions.

The content provided on the CU Station™ website and its associated portals is intended for general informational purposes only. Details, including eligibility criteria and product offerings, are subject to change based on market conditions and financial institution policies. You must verify the most current information directly with the relevant financial institution before making any decisions.

“As Is” Clause

All information is provided “as is” without any warranties, whether express or implied, including but not limited to implied warranties of title, non-infringement, merchantability, or fitness for a particular purpose. To the maximum extent allowed under U.S. federal and state law, MetaCato and its affiliates disclaim all liability for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the website, even if MetaCato. was advised of the possibility of such damages.

Third-Party Content

The website may contain third-party content, such as user comments, credit union reviews, and hyperlinks to external websites. These resources are provided solely for your convenience. MetaCato does not endorse or assume responsibility for the content, accuracy, or availability of such third-party websites or resources. Furthermore, MetaCato has no affiliation with any financial institutions mentioned on the site unless explicitly stated and assumes no liability for their actions or decisions.

Eligibility and Matching Process

CU Station™ functions as a platform to connect potential members with credit unions to facilitate the loan and membership process. By using CU Station™, you acknowledge the following:

Loan and Membership Approval: MetaCato does not provide any guarantees regarding loan approval or membership acceptance by credit unions. Each credit union maintains its own approval criteria and procedures, which are governed by applicable laws, including the Fair Credit Reporting Act (FCRA). MetaCato has no influence over these decisions.

1. Accuracy of Information:The information provided by users and credit unions is subject to verification and may change at any time. You are solely responsible for ensuring the accuracy and completeness of any data you provide. MetaCato is not liable for any incorrect information submitted by users or credit unions.
2. Limit of Liability:MetaCato is not liable for any decisions made by credit unions regarding loan or membership approval, nor for any actions taken by users based on information provided through CU Station™. You acknowledge that any financial transaction, decision, or agreement is strictly between you and the credit union.

Legal Disclosures – CU Station™ Health Scoring System

MetaCato provides the CU Station™ Health Scoring System, which utilizes publicly available data from the National Credit Union Administration (NCUA) to calculate and present health scores and rankings of credit unions. By using the CU Station™ Health Scoring System, you agree to the following terms:

1. Data Source:The health scores and rankings presented are based on data publicly available from the NCUA, as required under the Freedom of Information Act (FOIA). MetaCato does not control or verify the accuracy, completeness, or timeliness of this data.
2. No Endorsement:Neither the NCUA nor any other federal or state government agency endorses the health scores or rankings created by MetaCato. These scores are independently generated based on historical data and do not reflect current or future performance.
3. Informational Purposes Only:The CU Station™ Health Scoring System is designed for informational purposes only. The rankings are not intended to serve as the sole basis for financial or investment decisions. Users should independently verify any data before making such decisions and consult with qualified financial advisors where appropriate.
4. Limitations and Liability:MetaCato makes no guarantees regarding the performance or future viability of any credit union based on its health score or ranking. The scores are not predictive and are merely reflective of past publicly available data. MetaCato. shall not be held liable for any direct, indirect, or consequential damages arising from your reliance on the health scores or rankings.
5. Indemnification:You agree to indemnify and hold MetaCato and its affiliates harmless from any claims, damages, or expenses (including attorney fees) arising out of your use of the CU Station™ Health Scoring System or your reliance on its scores or rankings.
6. Accuracy and Omissions:MetaCato is not responsible for inaccuracies or omissions in the rankings of financial institutions and is not liable for any actions taken based on these rankings. These rankings are provided as a general guide and should not be construed as financial advice.
7. Modifications:MetaCato reserves the right to modify, suspend, or discontinue the CU Station™ Health Scoring System at any time without prior notice. MetaCato. is not liable for any disruption or loss of service resulting from such changes.

Compliance with U.S. Financial Laws

CU Station™ and its related services comply with all applicable U.S. federal and state financial regulations, including but not limited to the following:

1. Truth in Lending Act (TILA):Any financial information provided, including loan terms and interest rates, will comply with TILA’s disclosure requirements to ensure transparency in lending practices.
2. Electronic Fund Transfer Act (EFTA):Transactions and services offered through CU Station™ that involve electronic transfers will comply with EFTA’s protections regarding unauthorized transfers and required disclosures.
3. Fair Credit Reporting Act (FCRA):Any credit information used in connection with loan approvals through CU Station™ will be obtained and handled in compliance with FCRA.
4. Consumer Financial Protection Bureau (CFPB) Regulations:CU Station™ services are subject to CFPB oversight, ensuring consumer protection through adherence to established regulations regarding credit unions and financial services.