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The right to use the services of the credit union have only its members. Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. Contributions from of shareholders in credit unions in no way can be considered as borrowed funds, they come from the shareholders and for the shareholders and can not be used to provide services to third parties. Today in the UK there are about 700 credit unions with assets exceeding 200 million pounds. 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.


Credit Union Location in Nebraska

Contributions from of shareholders in credit unions in no way can be considered as borrowed funds, they come from the shareholders and for the shareholders and can not be used to provide services to third parties. 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.


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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. Membership in the credit union forms responsible citizens and conscientious attitude to their obligations as a norm of behavior, identify the value of a decent man's reputation in the business turnover. On the consumer credit market in the U.S. credit unions are on the third place after the commercial banks and finance companies and are ahead of savings institutions, not taking into account the loans on real estate. 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. In the U.S. credit unions timely and full repayment of loans is a common phenomenon. Unpaid and delinquent loans are not more than 3% of their amount. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. Cooperation between credit unions, how they would not have been named, took place always, from the moment when the movement moved outside one credit union. Credit unions also differ from the traditional consumer cooperatives. Until the 70's there was a proliferation of the U.S. credit unions due to the increase of their number and the number of shareholders, although it must be acknowledged that there was also and a qualitative growth.