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. 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. Credit union promotes the effective conservation of personal funds of its members, giving them the loans from the funds of the credit union, as well as the sharing of savings in education, housing, health care and other programs of social support and social development of its members. 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 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. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars To increase the number of credit unions in 1979 was adopted the corresponding law that serves as the legal basis of their activity.
Credit Union Location in Sugar Land, Texas
Sugar Land, Texas have 3 agent Credit Union location in your country. All country.
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. 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.
| Agent | Contacts |
|---|---|
| Houston Federal Credit Union, Sugar Land |
16320 Kensington Drive Sugar Land, TX 77479-4097
Phone: (281) 243-0500 Routing number: 14091 |
| Schlumberger Employees Credit Union, Sugar Land |
225 Schlumberger Drive Sugar Land, TX 77478
Phone: (281) 285-4551 Routing number: 67625 |
| Sugar Land Employees Federal Credit Union, Sugar Land |
203 Matlage Way Sugar Land, TX 774783273
Phone: (281) 242-2322 Routing number: 04642 |
Fund of Mutual Financial Aid of the credit union can be extended by sponsorship contributions from businesses, organizations, including on a returnable basis. Main share of credit unions assets is concentrated in loans (about 50%), while the share of consumer loans in commercial banks and finance companies active operations rarely exceeds 15%. The most common type of loans in credit unions are loans to purchase new and used cars (40%), followed by first mortgages and second mortgages (35%), about 10% are unsecured personal loans to member of unions and about 15% - are loans on credit cards and other loans. The supreme body of the World Council of Credit Unions is the Assembly, which elects the president and the board of directors of WOCCU. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine.
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