A credit union is a cooperative, not-for-profit financial institution organized to
promote thrift and provide credit to members. It is member-owned and controlled
through a board of directors elected by the membership.
The board serves on a volunteer basis and may hire a management team to run the credit union. The
board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
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