Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. Most modern credit unions represent specialized consumer cooperatives of citizens associated by the principle of social community: place of work, place of residence, profession, or any other shared interest. Credit unions are competitors of savings institutions, adding interest on deposits of members. This applies to the shares, as well as to additional funds transferred to the account in the credit union. Credit union is created by a group of members who pursue a common interest. Agreeing to make regular contributions, they create a fund from which can borrow money for investments and replenishment of working capital at favorable interest rates. The value of credit unions is not limited to the role of the economic agent - they are an important element of the social structure and a factor of social stability and progress. 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. All the members of the credit union, regardless of gender, ethnicity, religious and political beliefs, as well as the size of the monetary share have equal rights. Credit union services are available only to its shareholders. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. Unlike banks, in order to use the services of a credit union, you have to become its member, having written an application and having paid thus shares and membership fee.
Gainesville, Florida have 5 agent Credit Union location in your country. All country.
Most modern credit unions represent specialized consumer cooperatives of citizens associated by the principle of social community: place of work, place of residence, profession, or any other shared interest. Credit union is created by a group of members who pursue a common interest. Agreeing to make regular contributions, they create a fund from which can borrow money for investments and replenishment of working capital at favorable interest rates.
|Campus USA Credit Union, Gainesville||
14007 Nw 1st Road Jonesville, FL 32669
Phone: (352) 335-9090
Routing number: 68391
Charter number: 263178478
|First Credit Union Of Gainesville Credit Union, Gainesville||
412 East University Avenue Gainesville, FL 32601
Phone: (352) 372-8225
Routing number: 67432
Charter number: 263178481
|Florida Credit Union, Gainesville||
1615 Nw 80th Blvd Gainesville, FL 32606
Phone: (352) 377-4141
Routing number: 60497
Charter number: 263178410
|Hca Federal Credit Union, Gainesville||
916 Nw 66th Street Suite 5 Gainesville, FL 32605
Phone: (352) 333-4760
Routing number: 21568
Charter number: 263178494
|Sunstate Federal Credit Union, Gainesville||
405 Se 2 Pl Gainesville, FL 32601
Phone: (352) 381-5200
Routing number: 11789
Charter number: 263178452
Historically, credit unions have grown from the experience of credit cooperatives, but they took the experience of organizations of mutual aid of citizens by moving methods of social self-protection from labor and toward consumption. To reduce the risk of default on loans members of the credit union shall the joint guarantee. 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. Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. Initially, the target groups of credit unions were farmers (Raiffeisen), and now they include both individuals (credit unions), and organizations. 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.