Credit unions encourage savings of citizens, setting compensation payments (interest) on savings and provide from these savings loans to their members. Share contributions are transferred to the credit union on the basis of membership for the whole stay of a shareholder as member of the credit union and are the basis of membership. The relationship of shareholders with credit union are not client-based, they are co-operative, based on different principles and standards, in particular, on the principles of the law of obligations. 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. The value of credit unions is not limited to the role of the economic agent - they are an important element of the social structure and a factor of social stability and progress.
Credit Union Location in Charleston, South Carolina
Charleston, South Carolina have 5 agent Credit Union location in your country. All country.
Share contributions are transferred to the credit union on the basis of membership for the whole stay of a shareholder as member of the credit union and are the basis of membership. 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 |
|---|---|
| C O Federal Credit Union, Charleston |
117 Spring Street Charleston, SC 29403
Phone: (843) 722-7656 Routing number: 17655 Charter number: 253278430 |
| Charleston Area Federal Credit Union, Charleston |
1845 Sam Rittenberg Charleston, SC 29407
Phone: (843) 556-4809 Routing number: 08059 Charter number: 253278414 |
| Charleston County Teachers Federal Credit Union, Charleston |
4 Carriage Lane Suite 401 Charleston, SC 29407
Phone: (843) 556-8698 Routing number: 10875 Charter number: 253278391 |
| Charleston Postal Cooperative Federal Credit Union, Charleston |
7075 Cross County Road Charleston, SC 29418
Phone: (843) 760-0071 Routing number: 24686 Charter number: 253278388 |
| Heritage Trust Federal Credit Union, Charleston |
6943 Dorchester Rd Charleston, SC 29423
Phone: (843) 832-2600 Routing number: 09986 Charter number: 253278362 |
Historically, credit unions were preceded by widespread development of credit cooperation in many countries of Europe and America. 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. Over 30% of the assets of credit unions are investments in government securities, certificates of deposit of banks and savings loan associations, as well as in the parent credit unions, and other risk-free investments. 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. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks. 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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