Fairmont Federal Credit Union data breach settlement

Who may be eligible

Fairmont Federal Credit Union has agreed to pay $1,783,857.64 to settle claims over a data incident that ran from September 30 to October 18, 2023 and was publicly disclosed on about April 30, 2025. If the credit union sent you a notice saying your information was potentially impacted, you may be eligible to claim an alternative cash payment of up to $150, or reimbursement of up to $7,500 in documented out-of-pocket losses plus up to four hours of lost time at $35 an hour, and three years of one-bureau credit monitoring either way. Claims are due December 18, 2026, and the cash figure is an estimate that is cut pro rata as more people claim. Filing on the official settlement site is free.

The eligibility period on the official materials is September 30, 2023 – October 18, 2023. The notice states no state limit, so it is usually nationwide. Covered: Fairmont Federal Credit Union accounts.

Only the official administrator or agency decides who is eligible. Read the official notice before filing, and file only if you believe you meet its criteria.

How much it may pay

Up to about $150. Every figure here is an estimate from public materials, not a guarantee: many settlements pay pro rata or only after a claims review, so final amounts commonly land well below the advertised maximum.

Two monetary options, and you pick one. The alternative cash payment is capped at $150 and is adjusted pro rata depending on how many valid claims arrive. The documented-loss option reimburses up to $7,500 of verifiable unreimbursed costs and can be combined with up to four hours of attested time at $35 an hour, a $140 cap. Either option can be combined with three years of one-bureau credit monitoring that includes $1,000,000 of identity theft insurance. Every figure here is an estimate from the notice, not a guaranteed amount.

The settlement fund is $1,783,857.64. Class counsel will ask the court for attorneys' fees of up to one third of it, $594,599.74, plus reimbursement of documented costs, and service awards of up to $5,000 for each class representative, up to $3,500 for each state court plaintiff and up to $1,000 for each tag-along plaintiff. Administration costs come out of the fund as well. Whatever is left pays valid claims, and the alternative cash payment is sized by dividing that remainder equally among the people who claimed it.

What the deadline is

The claim deadline is December 18, 2026.

The deadline to opt out or object is December 18, 2026.

The court's fairness hearing is set for February 8, 2027; payments do not go out until the settlement is finally approved and any appeals are resolved.

The notice says benefits are distributed as soon as possible after the court grants final approval and any appeals are resolved. The final approval hearing is set for February 8, 2027.

What proof is needed

Notice ID / PIN from the official letter or email may be required.

The official claim form states exactly what it accepts; gather it before you start.

How to file for free

Open the official claim page on this page, run by Kroll Settlement Administration LLC, read the criteria, and file there if you believe you meet them. Filing is free: official claims never carry a fee, and this site never files on anyone's behalf.

Never give a Social Security number, bank login or card number to a site that is not the official administrator or agency page.

Why this case happened

Fairmont Federal Credit Union says unauthorized cybercriminals reached its servers between September 30 and October 18, 2023 and may have exposed personal and protected health information belonging to current and former customers and to people who transacted with those customers. It disclosed the incident publicly on about April 30, 2025 and began mailing notification letters in September 2025, concluding its review on about August 17, 2025. Class actions followed in federal court in West Virginia and in Marion and Kanawha county circuit courts, and they were consolidated into this case. The credit union denies the allegations and maintains it did nothing wrong.