Historically, credit unions were preceded by widespread development of credit cooperation in many countries of Europe and America. Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. To reduce the risk of default on loans members of the credit union shall the joint guarantee. 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. A credit union on its own initiative order is created by citizens (individuals) to solve their financial problems that they could not solve in other financial institutions. A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union.
Credit Union Location in West Des Moines, Iowa
West Des Moines, Iowa have 3 agent Credit Union location in your country. All country.
Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. 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.
| Agent | Contacts |
|---|---|
| Ashworth Credit Union, West Des Moines |
1025 Ashworth Rd West Des Moines, IA 50265
Phone: (515) 267-5367 Routing number: 62857 |
| Financial Plus Credit Union, West Des Moines |
1831 25th Street West Des Moines, IA 50266
Phone: (515) 224-1222 Routing number: 62965 |
| First Class Credit Union, West Des Moines |
2051 Westown Parkway West Des Moines, IA 50265
Phone: (515) 224-4300 Routing number: 64231 |
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. Today in the UK there are about 700 credit unions with assets exceeding 200 million pounds. Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. At the organization of the credit union it is important that people know each other and know the extent to which each of them is trustworthy. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. In the case of default the shareholder - individual will respond with its property and, in addition, is jointly and severally liable with the credit union's commitments. Important specifics of creating a credit union - an initiative order of organization: people do not receive any instructions, orders or regulations, the unification into a credit union occurs by their will and decision. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members. Unlike banks credit unions limit their activities to a closed circle of people.
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