Credit Union Location in Alpena, Michigan

Membership in the credit union is voluntary and is open to all citizens bound by with joint work or residence, who wished to create a credit union to use its services and are willing to take on relevant commitments and responsibilities. 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. As of the January 1, 2012 the national associations and confederations unite more than 196 million members participating in the 51,013 credit unions in 100 countries. Taking a decision to join a credit union, citizens create an organization through which they participate in the shared savings by mutual crediting and joint (collective) use of personal savings. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine. Credit unions base their activities on savings of shareholders, their shares and savings contributions, which make up the fund of mutual financial assistance - a source of cash loans to shareholders. Corporate alliances are intermediaries between credit unions and financial markets. 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 Alpena, Michigan

Alpena, Michigan have 5 agent Credit Union location in your country. All country.

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. Taking a decision to join a credit union, citizens create an organization through which they participate in the shared savings by mutual crediting and joint (collective) use of personal savings.

Agent	Contacts
Alpena Community Credit Union, Alpena	710 West Miller Alpena, MI 49707 Phone: (989) 356-4561 Routing number: 62264 Charter number: 272476420
Alpena-Alcona Area Credit Union, Alpena	Alpena-Alcona Area Credit Union 1100 S Bagley Street Alpena, MI 49707 Phone: (989) 356-3577 Routing number: 62035 Charter number: 272476433
Besser Credit Union, Alpena	1381 N. Bagley Street Alpena, MI 49707 Phone: (989) 356-1880 Routing number: 62203 Charter number: 272476446
H.P.C. Credit Union, Alpena	1234 W Chisholm St Alpena, MI 49707 Phone: (989) 354-4698 Routing number: 62219 Charter number: 272476462
Thunder Bay Area Credit Union, Alpena	417 W. Chisholm St Alpena, MI 49707 Phone: (989) 354-2850 Routing number: 62222 Charter number: 272476404

Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). To date, credit unions - virtually the only form of financial institution where people can quickly and without any problems get a relatively inexpensive cash loan. Credit unions also differ from the traditional consumer cooperatives. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.).