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Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit 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. 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 unions also differ from the traditional consumer cooperatives. Borrowing rate for the credit union is a source of income to cover the administrative costs. All excess funds are returned to members in the form of dividends on savings.


Credit Union Location in Wisconsin

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Wisconsin have 82 cities with Credit Union location in your country. All country.

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 unions also differ from the traditional consumer cooperatives. 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.


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National Credit Union Administration (NCUA) - an independent federal agency, based in Washington (State of Columbia), established by the U.S. Congress to oversee the federal credit union system. The right to use the services of the credit union have only its members. To reduce the risk of default on loans members of the credit union shall the joint guarantee. 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. Income received by the credit union shall be distributed among the shareholders or spent for the depreciation of services, that is, are the most effective means of meeting the needs of shareholders. 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. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). Unlike banks, in order to use the services of a credit union, you have to become its member, having written an application and having paid thus shares and membership fee.