A credit union is a not for profit financial cooperative, owned and operated by its members. Unlike other financial institutions (OFIs), credit unions have no stockholders; instead, they are owned by their member depositors. When you join a credit union, you become an owner. After necessary reserve and capital levels are achieved, profits made by credit unions are returned to the member/owners through lower rates on loans, higher rates on deposits, and no or low fee services, In contrast, at an OFI, rates and fees are driven by stockholders who consider their ownership an investment and place more emphasis on profits, not service.
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