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. When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. Credit unions appeared in England in the 19th century. In 1844 a group of workers from Rochdale established the first cooperative. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. The specifics of credit unions and, in some sense, their uniqueness lies in the fact that they work not for profit and do not appropriate profit. Today, the World Council of Credit Unions is represented as members four regional confederations and twelve national associations.
Credit Union Location in Wahiawa, Hawaii
Wahiawa, Hawaii have 1 agent Credit Union location in your country. All country.
When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others.
| Agent | Contacts |
|---|---|
| Dole Wahiawa Federal Credit Union, Wahiawa |
1116 Whitmore Avenue Wahiawa, HI 96786
Phone: (808) 622-1787 Routing number: 02614 |
Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. Credit union services are available only to its shareholders. Since the early 80's started the process of consolidation of credit unions, leading to a decrease in their number with a simultaneous increase in the total number of members. Credit unions of the open type are still controlled by their members, but at the same time provide services to people who are not its members (external customers). The main activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. 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.
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