National Credit Union Administration (NCUA) - an independent federal agency, based in Washington (State of Columbia), established by the U.S. Congress to oversee the federal credit union system. Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. Taking a decision to join a credit union, citizens create an organization through which they participate in the shared savings by mutual crediting and joint (collective) use of personal savings. Credit unions historically formed as a special form of social support, initially taken upon themselves the social mission of protecting the interests of citizens in the field of financial services. U.S. credit unions have another significant difference from the credit cooperatives of farmers: the first have major proportion of short-term loans, the second - long and mostly in real estate. Unlike banks credit unions limit their activities to a closed circle of people.
Credit Union Location in Mcintosh, Alabama
Mcintosh, Alabama have 2 agent Credit Union location in your country. All country.
Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. Credit unions historically formed as a special form of social support, initially taken upon themselves the social mission of protecting the interests of citizens in the field of financial services.
| Agent | Contacts |
|---|---|
| Chemco Credit Union, Mcintosh |
1638 Industrial Road Mcintosh, AL 36553
Phone: (251) 944-3297 Routing number: 61277 Charter number: 265175961 |
| Mcintosh Chemical Federal Credit Union, Mcintosh |
7895 Hwy 43 Mc Intosh, AL 36553
Phone: (251) 944-8034 Routing number: 15101 Charter number: 262175870 |
Activity of the credit union consists of organizing mutual financial assistance by meeting the needs of its members in the services of saving and obtaining loans. Income received by the credit union shall be distributed among the shareholders or spent for the depreciation of services, that is, are the most effective means of meeting the needs of shareholders. Credit unions perform the function of social protection in a vital for people sphere of financial services. They care about improving the financial literacy of the population, are working on the formation of their members and their employees. Contributions from of shareholders in credit unions in no way can be considered as borrowed funds, they come from the shareholders and for the shareholders and can not be used to provide services to third parties. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.). To increase the number of credit unions in 1979 was adopted the corresponding law that serves as the legal basis of their activity.
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