Terms and Conditions
Effective Date: August 4, 2026
1. Acceptance of Terms
Welcome to the Noble Credit Union (“Noble,” “Credit Union,” “we,” “our,” or “us”) website (the “Site”). By accessing or using this website, you agree to be bound by these Website Terms of Service (“Terms”). If you do not agree to these Terms, please discontinue use of the website.
These Terms apply solely to your use of the public website. Separate agreements govern membership, deposit accounts, loans, credit cards, online banking, mobile banking, and other products or services offered by Noble Credit Union.
2. About Noble Credit Union
Noble Credit Union is a federally chartered credit union and is federally insured by the National Credit Union Administration (NCUA).
Membership eligibility requirements apply. Not all products and services are available to all individuals or in all locations.
3. Permitted Use
You may use this website only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the website in violation of any applicable law or regulation.
- Attempt to gain unauthorized access to any systems, accounts, or networks.
- Introduce malware, viruses, or other harmful code.
- Interfere with the operation or security of the website.
- Use automated tools to scrape or harvest website content without our prior written consent.
- Misrepresent your identity or affiliation.
- Copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of, or republish all or any portion of the Site for any commercial or public purpose without the Noble’s prior written consent.
We reserve the right to suspend or restrict access to users who violate these Terms.
4. Website Information
Information provided on this website is for general informational purposes only and does not constitute financial, legal, tax, or investment advice.
While Noble Credit Union strives to maintain accurate and current information, we do not guarantee the completeness, accuracy, or timeliness of any content.
Product availability, rates, fees, dividends, annual percentage yields (APYs), annual percentage rates (APRs), promotions, and other information may change without notice unless otherwise required by law.
Official account agreements, disclosures, rate schedules, fee schedules, and loan documents control in the event of any inconsistency with information appearing on this website.
5. No Offer or Guarantee
Information contained on this website does not constitute an offer to lend, extend credit, or establish an account unless specifically stated. All applications are subject to Noble Credit Union’s underwriting standards, membership eligibility requirements, and applicable laws and regulations.
6. Intellectual Property
All content on this website, including text, graphics, logos, icons, images, software, and other materials, is owned by or licensed to Noble Credit Union and is protected by applicable intellectual property laws.
You may view, download, or print portions of the website solely for your personal, non-commercial use. You may not reproduce, distribute, modify, or create derivative works without our prior written permission.
7. Third-Party Websites
This website may contain links to third-party websites for your convenience.
Noble Credit Union does not own or control third-party websites and is not responsible for their content, security, privacy practices, products, or services. Accessing third-party websites is at your own risk.
The inclusion of a link does not constitute an endorsement of the third party.
8. Online Banking and Member Services
Access to Online Banking, Mobile Banking, Bill Pay, Remote Deposit Capture, external transfers, and other electronic services is governed by separate agreements and disclosures.
If there is any conflict between these Terms and a specific service agreement, the applicable service agreement will control.
9. Privacy
Your use of this website is also subject to Noble Credit Union’s Privacy Policy, which describes how we collect, use, and protect personal information. Please see our Privacy Policy for more information.
10. Security
Although Noble Credit Union employs commercially reasonable administrative, technical, and physical safeguards to protect information and maintain the security of this website, no method of electronic transmission or storage can be guaranteed to be completely secure.
You are responsible for safeguarding your own devices, passwords, and login credentials.
If you believe your account or credentials have been compromised, you should notify Noble Credit Union immediately using the contact information provided on our website. Please see our Security page for more information.
11. Electronic Communications
By communicating with Noble Credit Union through this website, including electronic forms or email where available, you consent to receive communications related to your inquiry electronically unless otherwise required by law.
These Terms do not replace any separate Electronic Signatures (E-SIGN) disclosures or electronic consent agreements applicable to specific products or services.
12. Disclaimer of Warranties
This website and its contents are provided on an “as is” and “as available” basis.
To the fullest extent permitted by applicable law, Noble Credit Union disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, or uninterrupted operation.
13. Limitation of Liability
THE SITE IS OFFERED ON AN “AS IS,” “WHERE IS,” AND “WHERE AVAILABLE” BASIS, WITH NO WARRANTY OF ANY KIND – WHETHER EXPRESS, IMPLIED, OR STATUTORY – INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. YOU ACKNOWLEDGE THAT THE CREDIT UNION AND ITS RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY SERVICE PROVIDERS, OR LICENSORS DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DOES THE CREDIT UNION MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS, OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SITE. THE CREDIT UNION DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES (THIS DOES NOT AFFECT ANY MANUFACTURER’S WARRANTIES THAT THE PROVIDERS OF THE LINKED SITES OTHERWISE OFFER). EXCEPT AS SPECIFICALLY PROVIDED IN THESE TERMS OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT THE CREDIT UNION IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE, OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, THE CREDIT UNION WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT OR INDIRECT, INCIDENTAL, EXEMPLARY, SPECIAL, CONSEQUENTIAL, ECONOMIC, OR OTHER DAMAGES ARISING IN ANY WAY OUT OF OR RELATING TO THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM, REGARDLESS OF WHETHER THE CREDIT UNION HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.
Nothing in these Terms limits liability where such limitation is prohibited by applicable law.
14. Indemnification
You agree to indemnify, defend, and hold harmless the Credit Union and its officers, directors, employees, successors, affiliates, and assigns from and against any and all claims, demands, losses, liabilities, penalties, expenses, and any or other damages (including, without limitation, reasonable attorneys’ fees) directly or indirectly resulting from, relating to, or arising in connection with: (1) your breach or violation of these Terms; (2) your use of the Site; (3) any transactions or other activities you engage in with any third party service providers, third party merchant sites, or other third parties who are part of our affiliate program or who you access by or through the Site; (4) your infringement or violation of the intellectual property or other rights of third parties; and (5) your negligence or willful misconduct.
15. Accessibility
Noble Credit Union is committed to providing an accessible website. If you experience difficulty accessing any content, please contact us so we can provide reasonable assistance.
16. Changes to These Terms
The Credit Union reserves the right to change these Terms in whole or in part at any time without prior notice except as otherwise required by law or as otherwise agreed in writing.
The most current version of the Terms will always be available to you on the Terms and Conditions page accessible from the bottom of any page on the Site. If you find the Terms unacceptable at any time, you shall discontinue your use of the Site. By continuing to use the Site after the date of ANY CHANGE TO THESE TERMS, INCLUDING ACCESSING THE SITE, YOU AGREE TO BE BOUND BY THE RULES CONTAINED IN THE MOST RECENT VERSION OF THESE TERMS. THE CREDIT UNION MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS, OR SERVICES DESCRIBED HEREIN OR PROVIDED ON THE SITE AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND THE CREDIT UNION DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION, PRODUCTS, OR SERVICES. THE CREDIT UNION RESERVES THE RIGHT TO TERMINATE ANY OR ALL SITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO THE USER.
17. Governing Law
These Terms shall be governed and construed by applicable federal law and, to the extent not preempted, the laws of the State of California, without regard to conflict-of-law principles. You hereby consent to venue in and jurisdiction of the state and federal courts sitting in the State of California.
Any provision found unenforceable shall be enforced to the maximum extent permitted by law, and the remaining provisions shall remain in full force and effect.
18. Contact Information
If you have questions regarding these Terms, please contact:
Noble Credit Union
7 E River Park Place E, Suite 110
Fresno, CA 937120
559-252-5000
www.noblecu.com
19. Entire Agreement
These Terms constitute the entire and only agreement between us and you, and supersede all prior or contemporaneous agreements and understandings, express or implied, oral or written, except as herein contained, with respect to the Site, the content, products, or services provided by or through the Site, and the subject matter of these Terms.
20. No Waiver
No waiver of any of the foregoing terms and conditions shall be effective unless it is in writing and signed by an authorized officer of the Credit Union, and no waiver shall be deemed to imply or constitute a continuing waiver of any other term or condition.