Lending Conference

The Credit Union National Association and National Association of Federally-Insured Credit Unions legally combined Jan. 1, 2024, and is now America’s Credit Unions. While we transform into one new association, we will strive to maintain this website with the most up-to-date information as possible. Please contact info@nafcu.org or hello@America’s Credit Unions.coop should you need assistance.

While visiting americascreditunions.org you will be governed by the following policies and practices. Please review these terms carefully. If you do not agree to these terms, you should not use this site or America’s Credit Unions products or services.

Americans with Disabilities Act Compliance

If you need accommodations to use this website and/or are using a screen reader and are having problems using this website, please call 1-800-356-9655 for assistance.

Code of Conduct for Meetings and Events

America’s Credit Unions holds live and virtual professional conferences and meetings to enable its members to receive continuing education, build professional networks and discover new products and services for professional use. This Meetings & Events Code of Conduct applies during all America’s Credit Unions meeting-related events, including those sponsored by organizations other than America’s Credit Unions but held in conjunction with America’s Credit Unions events, in public or private facilities. America’s Credit Unions is committed to providing a productive and welcoming environment for all individuals who participate in its events. America’s Credit Unions seeks to provide a conference environment in which diverse participants may learn, network and enjoy the company of colleagues in an environment of mutual human respect. 

America’s Credit Unions related individuals, including, but not limited to, attendees, speakers, volunteers, exhibitors/vendors, America’s Credit Unions staff, service providers and others involved in the events, are expected to abide by this code, specifically, to uphold the principles of Integrity, Respect and Responsibility:

• Integrity: acting in an honest and ethical manner;
• Respect: honoring differences in people, ideas, and opinions; and
• Responsibility: accepting ownership for one’s own conduct.

America’s Credit Unions is also dedicated to providing a harassment-free experience for everyone based on race, religion, citizenship, gender (including pregnancy), national origin, age, disability, veteran status, genetic information or any other protected characteristics.

• Harassment may include offensive verbal comments, deliberate intimidation, stalking, following, harassing photography or recording, sustained disruption of talks or other events, inappropriate physical contact and unwelcome attention. 
• Sexual language or imagery is not appropriate for any venue, including booths, presentations, roundtable discussions, workshops, parties, social media and other online media.
• Participants asked to stop any harassing or inappropriate behavior are expected to comply immediately.
• If a participant engages in harassing or inappropriate behavior, America’s Credit Unions may take any action it deems appropriate, including warning the offender or expulsion from the conference with no refund.

If you or others are experiencing inappropriate behavior or are being harassed at an America’s Credit Unions event, please contact a member of the America’s Credit Unions event team immediately. Our team will be happy to help participants contact hotel/venue security or local law enforcement, or otherwise assist those experiencing the behavior or harassment to feel safe for the duration of the conference. America’s Credit Unions staff can be identified by their STAFF badges. If you are participating in an America’s Credit Unions virtual event and need to report any inappropriate behavior, please contact the America’s Credit Unions Administrator monitoring the session immediately. 

Webinar Consent

Please note that webinars hosted or produced by America’s Credit Unions and other information sent or referenced during webinars will be recorded. By participating in the webinar, you automatically consent to such recording. If you do not consent to being recorded, you may join the webinar, but do not connect your microphone or enter text into the attendee chat. Please discuss any concerns with the host.

Photo/Video/Recording Release 

America’s Credit Unions, itself or by its contractors, may be photographing, videotaping, audio-taping or webcasting sessions and events at its events. By attending, participants acknowledge these activities and agree to allow their image and/or voice to be used by America’s Credit Unions, such as in association publications, on America’s Credit Unions’ website and in marketing and promotional materials, without compensation.

Credit Card Policy

To help keep your information safe, America’s Credit Unions does not accept credit card numbers via electronic message (e-mail, instant messaging, etc.). Emails received with credit card information will be deleted. You may make credit card purchases via our website, or please contact member service at 1 800 356-9655 to make a purchase or for general assistance.

Intellectual Property

America’s Credit Unions materials are copyright protected. America’s Credit Unions trademarks are proprietary. No part of any information, product or service may be shared, reproduced, transmitted, or stored by any means, without the prior written permission of the copyright/trademark owner.

Warranty and Limitation of Liability

NEITHER AMERICA’S CREDIT UNIONS NOR ANY OF ITS AFFILIATES OR THEIR RESPECTIVE EMPLOYEES MAKE ANY EXPRESS OR IMPLIED WARRANTY, OR ASSUME ANY LEGAL LIABILITY OR RESPONSIBILITY FOR ACCURACY, ADEQUACY, COMPLETENESS, OR USEFULNESS OF ANY PRODUCT, SERVICE OR INFORMATION. THEY ARE PROVIDED “AS IS” WITH THE UNDERSTANDING THAT AMERICA’S CREDIT UNIONS IS NOT ENGAGED IN RENDERING LEGAL, ACCOUNTING, OR OTHER PROFESSIONAL SERVICES. IF PROFESSIONAL ADVICE IS REQUIRED, THE SERVICES OF A COMPETENT PROFESSIONAL SHOULD BE SOUGHT. BY PURCHASING PRODUCTS OR SERVICES OR PARTICIPATING IN INTERACTIVE PORTIONS OF THE SITE, YOU HEREBY DISCLAIM, WAIVE AND FULLY RELEASE ANY AND ALL CLAIMS WHETHER IN WARRANTY (EXPRESS OR IMPLIED) TORT, STRICT LIABILITY OR OTHERWISE, YOU HAVE OR MAY HAVE AGAINST AMERICA’S CREDIT UNIONS OR ITS AFFILIATES, FOR ANY AND ALL DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR OTHERWISE, RELATED THERETO.

Third-Party Endorsements 

The site may contain links to information created and maintained by third parties. These links are provided solely for your convenience. America’s Credit Unions does not guarantee the accuracy, relevance, timeliness, or completeness of any third-party information. Further, the inclusion of links to third party sites is not intended to assign importance to those sites and the information contained therein, nor is it intended to endorse, recommend, or favor any views expressed, or commercial products or services offered on these third-party sites, or the vendors sponsoring the sites. The views and opinions of authors or participants do not necessarily state or reflect those of America’s Credit Unions or its affiliates.

Monitoring

America’s Credit Unions does not actively monitor its site for inappropriate participation and does not undertake editorial control of postings. However, in the event that any inappropriate participation or posting is brought to the attention of America’s Credit Unions, we will take appropriate action.

Termination

America’s Credit Unions reserves the right to terminate access to any user of its Product, Service or websites.

Terms for Products and Services, Purchases, and Use

Product Shipping. Most orders are shipped UPS ground and you can expect to receive your order in approximately 5-7 working days. If you need a package sooner, please indicate the shipping method. America’s Credit Unions accepts no liability for orders that do not meet shipping estimates.

Invoicing. Invoices will be sent once the product has been shipped or service has been ordered. Payment is due upon receipt of the invoice. Payment can be sent in the form of check, credit card (VISA, American Express or MasterCard), or ACH.

Pricing. The prices displayed on this site are quoted in U.S. dollars and do not include shipping and handling or sales taxes, if applicable, which will be added to your total invoice price. You are responsible for the payment of any shipping and handling charges and state and local sales or use taxes that may apply to your order.

Returns. Product returns are accepted for physical products only, within 30 days of receipt of your order, and must be in the condition they were sent to you in. Reimbursement will be for the cost of the returned item only. Freight will be paid by you. No C.O.D. returns will be accepted. Please  call or email prior to returning to obtain authorized shipping information. No credit will be issued for unauthorized returns. Please ship your returned package via a tracking ship method to:

America’s Credit Unions /BrightKey
1780A Crossroads Drive
Odenton, MD 21113

Please enclose a copy of the original packing slip with the return, indicating on the reverse of the packing slip the reason for the return. If you do not have the original packing slip, please include something with your order number noted. If the merchandise was shipped to you in error or arrived damaged or defective, we will issue a call tag for the item to be picked up at no cost to you.

Custom Products. A proof will be provided to you within 48-72 hours of receiving the request. After you have approved the proof in writing, your order will then be shipped within 10-12 business days. Custom orders cannot be returned unless damaged or defective. Custom orders can have an over run or an under run of 5-10%. You agree to pay for actual quantities.

Interactive Products and Services. Certain products and services are interactive. By participating, you agree that you will comply with the rules and etiquette we have established which are noted below.

Rules and Etiquette for Interactive Products and Services, America’s Credit Unions Digital and Web Properties, Including America’s Credit Unions Communities

• America’s Credit Unions is not responsible for the opinions and information posted on its sites by others.
• Don’t challenge or attack others. The discussions and comments are meant to stimulate conversation not to create contention.
• Don’t post commercial messages on any discussion list, resource library entry, or other area.
• Use caution when discussing products. Information posted on the lists and in the libraries is available for all to see, and your comments are subject to libel, slander, and antitrust laws.
• All defamatory, abusive, profane, threatening, offensive, or illegal materials are strictly prohibited.
• Remember that other participants may have the right to reproduce postings to this site.
• Post your message or documents only to the most appropriate lists or libraries. Do not spam several lists or libraries with the same message.
• All messages must add to the body of knowledge. We reserve the right to reject or remove any message for any reason.
• You may not post, forward, transmit or make available any content that infringes any patent, trademark, trade secret, copyright or any other proprietary right of any party without the permission of the owner. By posting material, the posting party warrants and represents that he or she owns the intellectual property rights with respect to such material or has received permission from the owner. In addition, the posting party grants America’s Credit Unions and users of this site the perpetual, royalty-free, nonexclusive right and license to display, copy, publish, distribute, transmit, print, and use such information.
• You may not post, forward, transmit or make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.
• Messages may not be posted if they encourage or facilitate members to arrive at any agreement that either expressly or impliedly leads to price fixing, a boycott of another’s business, or other conduct intended to illegally restrict free trade. Messages that encourage or facilitate an agreement about the following subjects are prohibited: prices, discounts, or terms or conditions of sale; salaries; profits, profit margins, or cost data; market shares, sales territories, or markets; allocation of customers or territories; or selection, rejection, or termination of customers or suppliers. See America’s Credit Unions’ Antitrust Policy for further information.

Antitrust Policy and Guidelines

It is the policy of America’s Credit Unions to comply strictly with all antitrust laws that relate to the conduct of its activities. America’s Credit Unions, League and credit union representatives involved in America’s Credit Unions activities should familiarize themselves with the America’s Credit Unions Antitrust Compliance Program, and, when participating in America’s Credit Unions sponsored meetings and activities, act in accordance with the Program. Counsel should be consulted in all cases involving specific situations for interpretations or advice if any participant has questions as to antitrust obligations and an America’s Credit Unions staff member or counsel should attend all meetings in which issues with antitrust implications are expected to be discussed.

These Guidelines are intended to promote compliance with the Antitrust Laws, not to create duties or obligations beyond what the Antitrust Laws actually require. America’s Credit Unions, League and credit union representatives involved in America’s Credit Unions activities, should be aware that these Guidelines cannot address every potential area of antitrust concern. In the event of inconsistency between these Guidelines and the Antitrust Laws, the Antitrust Laws shall control.

The activities of America’s Credit Unions shall not be conducted in a manner so as to restrain competition or to harm its members or consumers.

Neither America’s Credit Unions nor any of its meetings, committees or activities shall be used for the purpose of bringing about or attempting to bring about any understanding or agreement with regard to credit union prices, products, services, fields of membership, members, credit terms or any other information that may be used for anticompetitive purposes. However, nothing in these guidelines shall be construed to prohibit or restrict America’s Credit Unions or those participating in its activities from reaching understandings or agreements on these subjects to the extent that such agreements pertain to legislative or regulatory advocacy on behalf of credit unions or the collection and sharing of data and information about credit union operations and activities.

Under the Antitrust Laws, certain activities and practices have been found by the courts to constitute “per se” violations of the Antitrust Laws. Per se violations have traditionally included agreements among competitors that have the purpose and effect of “fixing prices,” “allocating territories,” or “boycotting third parties.” “Price fixing” includes agreements to control factors that directly or indirectly affect price, such as establishing or setting uniform discounts, credit or warranty terms, or agreeing on matters relating to costs, especially when those costs account for a substantial percentage of the final price.

No activity or communication of America’s Credit Unions, League or credit union representatives, in connection with their participation in a America’s Credit Unions activity, shall include any discussion or statement which could reasonably be construed as an agreement or understanding to refrain, or to encourage credit unions to refrain, from purchasing any materials, products, equipment, services or other supplies from any vendor or from dealing with any vendor.

No activity or communication of America’s Credit Unions, League or credit union representatives, in connection with their participation in a America’s Credit Unions activity, shall include any discussion which could reasonably be construed as an attempt to prevent any person or business entity from gaining access to any credit union market for goods and services, or to prevent any credit union from obtaining a supply of goods or services or otherwise purchasing goods or services freely in the market. This does not prohibit a credit union or League or America’s Credit Unions from disclosing and asserting its intellectual property rights.

Each America’s Credit Unions, League and credit union representative shall use their best reasonable efforts to comply in all respects with the Antitrust Laws when acting as an America’s Credit Unions representative or attending an America’s Credit Unions sponsored activity.