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. In recent decades, many credit unions began to resort to such form of service as First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. Credit union services are available only to its shareholders. To reduce the risk of default on loans members of the credit union shall the joint guarantee. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. 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. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. To increase the number of credit unions in 1979 was adopted the corresponding law that serves as the legal basis of their activity. 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.
Credit Union Location in Harvey, Louisiana
Harvey, Louisiana have 3 agent Credit Union location in your country. All country.
In recent decades, many credit unions began to resort to such form of service as Credit union services are available only to its shareholders.
| Agent | Contacts |
|---|---|
| Geco Federal Credit Union, Harvey |
1400 Destrehan Ave. Harvey, LA 70058
Phone: (504) 347-4326 Routing number: 09060 Charter number: 265474167 |
| Jefferson Financial Credit Union, Harvey |
7701 Airline Drive Metairie, LA 70003
Phone: (504) 348-2424 Routing number: 60738 Charter number: 265474109 |
| Jeffso Credit Union, Harvey |
1233 Westbank Expressway B-110 Harvey, LA 70058
Phone: (504) 376-2478 Routing number: 63035 Charter number: 265474112 |
Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. 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. 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. 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. Initially, the target groups of credit unions were farmers (Raiffeisen), and now they include both individuals (credit unions), and organizations. Credit unions are financial institutions, financial cooperatives of citizens, and in this capacity they are above all associations of people, not unification of capitals, which is typical, for example, for public companies. 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.
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