In the U.S., credit unions have a clear organizational structure. All credit unions belong to one or the other parent credit union (there are 35 of them in the U.S.). 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. The economic basis of credit unions - finances of a household. The main objective of the credit union - to ensure financial stability of a household, to ensure the priority of their shareholders' financial interests. The uniqueness of credit unions is that they put together the principles and benefits of financial cooperatives, consumer cooperatives and mutual aid funds, born once by trade unions. 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. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. Income derived from the provision of services to its members, does not become the profit of credit union and is distributed among its members in proportion to their savings. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions. Today, the World Council of Credit Unions is represented as members four regional confederations and twelve national associations.
Credit Union Location in Clearwater, Florida
Clearwater, Florida have 2 agent Credit Union location in your country. All country.
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. The uniqueness of credit unions is that they put together the principles and benefits of financial cooperatives, consumer cooperatives and mutual aid funds, born once by trade unions.
| Agent | Contacts |
|---|---|
| City-County Employees Credit Union, Clearwater |
City-County Employees Credit Union 719 South Missouri Avenue Clearwater, FL 33756
Phone: (727) 442-7746 Routing number: 67323 Charter number: 263177712 |
| West Coast Federal Credit Union, Clearwater |
300 Jeffords Street Suite A Clearwater, FL 33756
Phone: (727) 462-7046 Routing number: 19588 Charter number: 263177783 |
To get a loan in the credit union a shareholder must be not only a formally adopted there, but necessary pay in cash contributions, the amount and order of payment of which approved by the General Assembly and fixed by the charter. Credit unions encourage savings of citizens, setting compensation payments (interest) on savings and provide from these savings loans to their members. In the U.S. credit unions timely and full repayment of loans is a common phenomenon. Unpaid and delinquent loans are not more than 3% of their amount. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services.
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