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what is a credit union?

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The National Credit Union Administration defines a credit union in the following terms:

A safe place to save and borrow money at reasonable rates.

A federal credit union is a cooperative financial institution chartered by the federal government and owned by individual members. Today's credit unions remain unique financial institutions with a "not-for-profit but for service" operating philosophy. Annual polls show that credit unions lead the financial community year after year by providing top quality personal service to millions of Americans. No member of a federally insured credit union has ever lost one penny of insured savings.

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