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vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Not-for-profit_status"> <div class="vector-toc-text"> <span class="vector-toc-numb">2</span> <span>Not-for-profit status</span> </div> </a> <ul id="toc-Not-for-profit_status-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Global_presence" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Global_presence"> <div class="vector-toc-text"> <span class="vector-toc-numb">3</span> <span>Global presence</span> </div> </a> <ul id="toc-Global_presence-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-History" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#History"> <div class="vector-toc-text"> <span class="vector-toc-numb">4</span> <span>History</span> </div> </a> <ul id="toc-History-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Stability_and_risks" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Stability_and_risks"> <div class="vector-toc-text"> <span class="vector-toc-numb">5</span> <span>Stability and risks</span> </div> </a> <ul id="toc-Stability_and_risks-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Corporate" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Corporate"> <div class="vector-toc-text"> <span class="vector-toc-numb">6</span> <span>Corporate</span> </div> </a> <ul id="toc-Corporate-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Leagues_and_associations" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Leagues_and_associations"> <div class="vector-toc-text"> <span class="vector-toc-numb">7</span> <span>Leagues and associations</span> </div> </a> <ul id="toc-Leagues_and_associations-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Deposit_insurance" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Deposit_insurance"> <div class="vector-toc-text"> <span class="vector-toc-numb">8</span> <span>Deposit insurance</span> </div> </a> <ul id="toc-Deposit_insurance-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-See_also" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#See_also"> <div class="vector-toc-text"> <span class="vector-toc-numb">9</span> <span>See also</span> </div> </a> <ul id="toc-See_also-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-References" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#References"> <div class="vector-toc-text"> <span class="vector-toc-numb">10</span> <span>References</span> </div> </a> <ul id="toc-References-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Further_reading" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Further_reading"> <div class="vector-toc-text"> <span class="vector-toc-numb">11</span> <span>Further reading</span> </div> </a> <ul id="toc-Further_reading-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-External_links" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#External_links"> <div class="vector-toc-text"> <span class="vector-toc-numb">12</span> <span>External links</span> </div> </a> <ul id="toc-External_links-sublist" class="vector-toc-list"> </ul> </li> </ul> </div> </div> </nav> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <nav aria-label="Contents" class="vector-toc-landmark"> <div id="vector-page-titlebar-toc" class="vector-dropdown vector-page-titlebar-toc vector-button-flush-left" > <input type="checkbox" id="vector-page-titlebar-toc-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-titlebar-toc" class="vector-dropdown-checkbox " aria-label="Toggle the table of contents" > <label id="vector-page-titlebar-toc-label" for="vector-page-titlebar-toc-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-listBullet mw-ui-icon-wikimedia-listBullet"></span> <span class="vector-dropdown-label-text">Toggle the table of contents</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-titlebar-toc-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <h1 id="firstHeading" class="firstHeading mw-first-heading"><span class="mw-page-title-main">Credit union</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Go to an article in another language. Available in 34 languages" > <label id="p-lang-btn-label" for="p-lang-btn-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--action-progressive mw-portlet-lang-heading-34" aria-hidden="true" ><span class="vector-icon mw-ui-icon-language-progressive mw-ui-icon-wikimedia-language-progressive"></span> <span class="vector-dropdown-label-text">34 languages</span> </label> <div class="vector-dropdown-content"> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="interlanguage-link interwiki-ar mw-list-item"><a href="https://ar.wikipedia.org/wiki/%D8%A7%D8%AA%D8%AD%D8%A7%D8%AF_%D8%A7%D8%A6%D8%AA%D9%85%D8%A7%D9%86%D9%8A" title="اتحاد ائتماني – Arabic" lang="ar" hreflang="ar" data-title="اتحاد ائتماني" data-language-autonym="العربية" data-language-local-name="Arabic" class="interlanguage-link-target"><span>العربية</span></a></li><li class="interlanguage-link interwiki-az mw-list-item"><a href="https://az.wikipedia.org/wiki/Kredit_ittifaqlar%C4%B1" title="Kredit ittifaqları – Azerbaijani" lang="az" hreflang="az" data-title="Kredit ittifaqları" data-language-autonym="Azərbaycanca" data-language-local-name="Azerbaijani" class="interlanguage-link-target"><span>Azərbaycanca</span></a></li><li class="interlanguage-link interwiki-be mw-list-item"><a href="https://be.wikipedia.org/wiki/%D0%9A%D1%80%D1%8D%D0%B4%D1%8B%D1%82%D0%BD%D1%8B_%D0%BA%D0%B0%D0%B0%D0%BF%D0%B5%D1%80%D0%B0%D1%82%D1%8B%D1%9E" title="Крэдытны кааператыў – Belarusian" lang="be" hreflang="be" data-title="Крэдытны кааператыў" data-language-autonym="Беларуская" data-language-local-name="Belarusian" class="interlanguage-link-target"><span>Беларуская</span></a></li><li class="interlanguage-link interwiki-be-x-old mw-list-item"><a href="https://be-tarask.wikipedia.org/wiki/%D0%9A%D1%80%D1%8D%D0%B4%D1%8B%D1%82%D0%BD%D1%8B_%D0%BA%D0%B0%D0%B0%D0%BF%D1%8D%D1%80%D0%B0%D1%82%D1%8B%D1%9E" title="Крэдытны каапэратыў – Belarusian (Taraškievica orthography)" lang="be-tarask" hreflang="be-tarask" data-title="Крэдытны каапэратыў" data-language-autonym="Беларуская (тарашкевіца)" data-language-local-name="Belarusian (Taraškievica orthography)" class="interlanguage-link-target"><span>Беларуская (тарашкевіца)</span></a></li><li class="interlanguage-link interwiki-ca mw-list-item"><a href="https://ca.wikipedia.org/wiki/Cooperativa_de_cr%C3%A8dit" title="Cooperativa de crèdit – Catalan" lang="ca" hreflang="ca" data-title="Cooperativa de crèdit" data-language-autonym="Català" data-language-local-name="Catalan" class="interlanguage-link-target"><span>Català</span></a></li><li class="interlanguage-link interwiki-cs mw-list-item"><a href="https://cs.wikipedia.org/wiki/Spo%C5%99iteln%C3%AD_a_%C3%BAv%C4%9Brn%C3%AD_dru%C5%BEstva" title="Spořitelní a úvěrní družstva – Czech" lang="cs" hreflang="cs" data-title="Spořitelní a úvěrní družstva" data-language-autonym="Čeština" data-language-local-name="Czech" class="interlanguage-link-target"><span>Čeština</span></a></li><li class="interlanguage-link interwiki-cy mw-list-item"><a href="https://cy.wikipedia.org/wiki/Undeb_credyd" title="Undeb credyd – Welsh" lang="cy" hreflang="cy" data-title="Undeb credyd" data-language-autonym="Cymraeg" data-language-local-name="Welsh" class="interlanguage-link-target"><span>Cymraeg</span></a></li><li class="interlanguage-link interwiki-et mw-list-item"><a href="https://et.wikipedia.org/wiki/%C3%9Chistupank" title="Ühistupank – Estonian" lang="et" hreflang="et" data-title="Ühistupank" data-language-autonym="Eesti" data-language-local-name="Estonian" class="interlanguage-link-target"><span>Eesti</span></a></li><li class="interlanguage-link interwiki-es mw-list-item"><a href="https://es.wikipedia.org/wiki/Cooperativa_de_ahorro_y_cr%C3%A9dito" title="Cooperativa de ahorro y crédito – Spanish" lang="es" hreflang="es" data-title="Cooperativa de ahorro y crédito" data-language-autonym="Español" data-language-local-name="Spanish" class="interlanguage-link-target"><span>Español</span></a></li><li class="interlanguage-link interwiki-eo mw-list-item"><a href="https://eo.wikipedia.org/wiki/Kredita_unio" title="Kredita unio – Esperanto" lang="eo" hreflang="eo" data-title="Kredita unio" data-language-autonym="Esperanto" data-language-local-name="Esperanto" class="interlanguage-link-target"><span>Esperanto</span></a></li><li class="interlanguage-link interwiki-fa mw-list-item"><a href="https://fa.wikipedia.org/wiki/%D8%A7%D8%AA%D8%AD%D8%A7%D8%AF%DB%8C%D9%87_%D8%A7%D8%B9%D8%AA%D8%A8%D8%A7%D8%B1%DB%8C" title="اتحادیه اعتباری – Persian" lang="fa" hreflang="fa" data-title="اتحادیه اعتباری" data-language-autonym="فارسی" data-language-local-name="Persian" class="interlanguage-link-target"><span>فارسی</span></a></li><li class="interlanguage-link interwiki-fy mw-list-item"><a href="https://fy.wikipedia.org/wiki/Kredytuny" title="Kredytuny – Western Frisian" lang="fy" hreflang="fy" data-title="Kredytuny" data-language-autonym="Frysk" data-language-local-name="Western Frisian" class="interlanguage-link-target"><span>Frysk</span></a></li><li class="interlanguage-link interwiki-ko mw-list-item"><a href="https://ko.wikipedia.org/wiki/%EC%8B%A0%EC%9A%A9%ED%98%91%EB%8F%99%EC%A1%B0%ED%95%A9" title="신용협동조합 – Korean" lang="ko" hreflang="ko" data-title="신용협동조합" data-language-autonym="한국어" data-language-local-name="Korean" class="interlanguage-link-target"><span>한국어</span></a></li><li class="interlanguage-link interwiki-id mw-list-item"><a href="https://id.wikipedia.org/wiki/Koperasi_kredit" title="Koperasi kredit – Indonesian" lang="id" hreflang="id" data-title="Koperasi kredit" data-language-autonym="Bahasa Indonesia" data-language-local-name="Indonesian" class="interlanguage-link-target"><span>Bahasa Indonesia</span></a></li><li class="interlanguage-link interwiki-it mw-list-item"><a href="https://it.wikipedia.org/wiki/Credito_cooperativo" title="Credito cooperativo – Italian" lang="it" hreflang="it" data-title="Credito cooperativo" data-language-autonym="Italiano" data-language-local-name="Italian" class="interlanguage-link-target"><span>Italiano</span></a></li><li class="interlanguage-link interwiki-ky mw-list-item"><a href="https://ky.wikipedia.org/wiki/%D0%9D%D0%B0%D1%81%D1%8B%D1%8F_%D0%B1%D0%B8%D1%80%D0%BB%D0%B8%D0%B3%D0%B8" title="Насыя бирлиги – Kyrgyz" lang="ky" hreflang="ky" data-title="Насыя бирлиги" data-language-autonym="Кыргызча" data-language-local-name="Kyrgyz" class="interlanguage-link-target"><span>Кыргызча</span></a></li><li class="interlanguage-link interwiki-lv mw-list-item"><a href="https://lv.wikipedia.org/wiki/Kooperat%C4%ABv%C4%81_kr%C4%81jaizdevu_sabiedr%C4%ABba" title="Kooperatīvā krājaizdevu sabiedrība – Latvian" lang="lv" hreflang="lv" data-title="Kooperatīvā krājaizdevu sabiedrība" data-language-autonym="Latviešu" data-language-local-name="Latvian" class="interlanguage-link-target"><span>Latviešu</span></a></li><li class="interlanguage-link interwiki-lt mw-list-item"><a href="https://lt.wikipedia.org/wiki/Kredito_unija" title="Kredito unija – Lithuanian" lang="lt" hreflang="lt" data-title="Kredito unija" data-language-autonym="Lietuvių" data-language-local-name="Lithuanian" class="interlanguage-link-target"><span>Lietuvių</span></a></li><li class="interlanguage-link interwiki-ms mw-list-item"><a href="https://ms.wikipedia.org/wiki/Kesatuan_kredit" title="Kesatuan kredit – Malay" lang="ms" hreflang="ms" data-title="Kesatuan kredit" data-language-autonym="Bahasa Melayu" data-language-local-name="Malay" class="interlanguage-link-target"><span>Bahasa Melayu</span></a></li><li class="interlanguage-link interwiki-nl mw-list-item"><a href="https://nl.wikipedia.org/wiki/Kredietunie" title="Kredietunie – Dutch" lang="nl" hreflang="nl" data-title="Kredietunie" data-language-autonym="Nederlands" data-language-local-name="Dutch" class="interlanguage-link-target"><span>Nederlands</span></a></li><li class="interlanguage-link interwiki-ja mw-list-item"><a href="https://ja.wikipedia.org/wiki/%E4%BF%A1%E7%94%A8%E7%B5%84%E5%90%88" title="信用組合 – Japanese" lang="ja" hreflang="ja" data-title="信用組合" data-language-autonym="日本語" data-language-local-name="Japanese" class="interlanguage-link-target"><span>日本語</span></a></li><li class="interlanguage-link interwiki-pl mw-list-item"><a href="https://pl.wikipedia.org/wiki/Sp%C3%B3%C5%82dzielcza_kasa_oszcz%C4%99dno%C5%9Bciowo-kredytowa" title="Spółdzielcza kasa oszczędnościowo-kredytowa – Polish" lang="pl" hreflang="pl" data-title="Spółdzielcza kasa oszczędnościowo-kredytowa" data-language-autonym="Polski" data-language-local-name="Polish" class="interlanguage-link-target"><span>Polski</span></a></li><li class="interlanguage-link interwiki-pt mw-list-item"><a href="https://pt.wikipedia.org/wiki/Cooperativa_de_cr%C3%A9dito" title="Cooperativa de crédito – Portuguese" lang="pt" hreflang="pt" data-title="Cooperativa de crédito" data-language-autonym="Português" data-language-local-name="Portuguese" class="interlanguage-link-target"><span>Português</span></a></li><li class="interlanguage-link interwiki-ro mw-list-item"><a href="https://ro.wikipedia.org/wiki/Cooperativ%C4%83_de_credit" title="Cooperativă de credit – Romanian" lang="ro" hreflang="ro" data-title="Cooperativă de credit" data-language-autonym="Română" data-language-local-name="Romanian" class="interlanguage-link-target"><span>Română</span></a></li><li class="interlanguage-link interwiki-ru mw-list-item"><a href="https://ru.wikipedia.org/wiki/%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82%D0%BD%D1%8B%D0%B9_%D0%BA%D0%BE%D0%BE%D0%BF%D0%B5%D1%80%D0%B0%D1%82%D0%B8%D0%B2" title="Кредитный кооператив – Russian" lang="ru" hreflang="ru" data-title="Кредитный кооператив" data-language-autonym="Русский" data-language-local-name="Russian" class="interlanguage-link-target"><span>Русский</span></a></li><li class="interlanguage-link interwiki-simple mw-list-item"><a href="https://simple.wikipedia.org/wiki/Credit_union" title="Credit union – Simple English" lang="en-simple" hreflang="en-simple" data-title="Credit union" data-language-autonym="Simple English" data-language-local-name="Simple English" class="interlanguage-link-target"><span>Simple English</span></a></li><li class="interlanguage-link interwiki-fi mw-list-item"><a href="https://fi.wikipedia.org/wiki/Osuuspankki_(yhti%C3%B6muoto)" title="Osuuspankki (yhtiömuoto) – Finnish" lang="fi" hreflang="fi" data-title="Osuuspankki (yhtiömuoto)" data-language-autonym="Suomi" data-language-local-name="Finnish" class="interlanguage-link-target"><span>Suomi</span></a></li><li class="interlanguage-link interwiki-sv mw-list-item"><a href="https://sv.wikipedia.org/wiki/Medlemsbank" title="Medlemsbank – Swedish" lang="sv" hreflang="sv" data-title="Medlemsbank" data-language-autonym="Svenska" data-language-local-name="Swedish" class="interlanguage-link-target"><span>Svenska</span></a></li><li class="interlanguage-link interwiki-tl mw-list-item"><a href="https://tl.wikipedia.org/wiki/Kapisanang_pampautangan" title="Kapisanang pampautangan – Tagalog" lang="tl" hreflang="tl" data-title="Kapisanang pampautangan" data-language-autonym="Tagalog" data-language-local-name="Tagalog" class="interlanguage-link-target"><span>Tagalog</span></a></li><li class="interlanguage-link interwiki-th mw-list-item"><a href="https://th.wikipedia.org/wiki/%E0%B8%AA%E0%B8%AB%E0%B8%81%E0%B8%A3%E0%B8%93%E0%B9%8C%E0%B9%80%E0%B8%84%E0%B8%A3%E0%B8%94%E0%B8%B4%E0%B8%95%E0%B8%A2%E0%B8%B9%E0%B9%80%E0%B8%99%E0%B8%B5%E0%B9%88%E0%B8%A2%E0%B8%99" title="สหกรณ์เครดิตยูเนี่ยน – Thai" lang="th" hreflang="th" data-title="สหกรณ์เครดิตยูเนี่ยน" data-language-autonym="ไทย" data-language-local-name="Thai" class="interlanguage-link-target"><span>ไทย</span></a></li><li class="interlanguage-link interwiki-uk mw-list-item"><a href="https://uk.wikipedia.org/wiki/%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82%D0%BD%D0%B0_%D1%81%D0%BF%D1%96%D0%BB%D0%BA%D0%B0" title="Кредитна спілка – Ukrainian" lang="uk" hreflang="uk" data-title="Кредитна спілка" data-language-autonym="Українська" data-language-local-name="Ukrainian" class="interlanguage-link-target"><span>Українська</span></a></li><li class="interlanguage-link interwiki-vi mw-list-item"><a href="https://vi.wikipedia.org/wiki/T%E1%BB%95_ch%E1%BB%A9c_t%C3%ADn_d%E1%BB%A5ng" title="Tổ chức tín dụng – Vietnamese" lang="vi" hreflang="vi" data-title="Tổ chức tín dụng" data-language-autonym="Tiếng Việt" data-language-local-name="Vietnamese" class="interlanguage-link-target"><span>Tiếng Việt</span></a></li><li class="interlanguage-link interwiki-zh-yue mw-list-item"><a href="https://zh-yue.wikipedia.org/wiki/%E4%BF%A1%E7%94%A8%E5%90%88%E4%BD%9C%E7%A4%BE" title="信用合作社 – Cantonese" lang="yue" hreflang="yue" data-title="信用合作社" data-language-autonym="粵語" data-language-local-name="Cantonese" class="interlanguage-link-target"><span>粵語</span></a></li><li class="interlanguage-link interwiki-zh mw-list-item"><a href="https://zh.wikipedia.org/wiki/%E5%84%B2%E8%93%84%E4%BA%92%E5%8A%A9%E7%A4%BE" title="儲蓄互助社 – Chinese" lang="zh" hreflang="zh" data-title="儲蓄互助社" data-language-autonym="中文" data-language-local-name="Chinese" class="interlanguage-link-target"><span>中文</span></a></li> </ul> <div class="after-portlet after-portlet-lang"><span class="wb-langlinks-edit wb-langlinks-link"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q745877#sitelinks-wikipedia" title="Edit interlanguage links" class="wbc-editpage">Edit links</a></span></div> </div> </div> </div> </header> <div class="vector-page-toolbar"> <div class="vector-page-toolbar-container"> <div id="left-navigation"> <nav aria-label="Namespaces"> <div id="p-associated-pages" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-associated-pages" > <div 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For Caisse populaire Desjardins, the Quebec credit union, see <a href="/wiki/Desjardins_Group" title="Desjardins Group">Desjardins Group</a>. 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screen{html.skin-theme-clientpref-night .mw-parser-output .sidebar:not(.notheme) .sidebar-list-title,html.skin-theme-clientpref-night .mw-parser-output .sidebar:not(.notheme) .sidebar-title-with-pretitle{background:transparent!important}html.skin-theme-clientpref-night .mw-parser-output .sidebar:not(.notheme) .sidebar-title-with-pretitle a{color:var(--color-progressive)!important}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .sidebar:not(.notheme) .sidebar-list-title,html.skin-theme-clientpref-os .mw-parser-output .sidebar:not(.notheme) .sidebar-title-with-pretitle{background:transparent!important}html.skin-theme-clientpref-os .mw-parser-output .sidebar:not(.notheme) .sidebar-title-with-pretitle a{color:var(--color-progressive)!important}}@media print{body.ns-0 .mw-parser-output .sidebar{display:none!important}}</style><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><table class="sidebar sidebar-collapse nomobile nowraplinks"><tbody><tr><td class="sidebar-pretitle">Part of a series on <a href="/wiki/Financial_services" title="Financial services">financial services</a></td></tr><tr><th class="sidebar-title-with-pretitle" style="background:#efefef;padding:0.4em;"><a href="/wiki/Bank" title="Bank">Banking</a></th></tr><tr><td class="sidebar-image"><span class="skin-invert" typeof="mw:File"><a href="/wiki/File:Community_Noun_project_39956.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/120px-Community_Noun_project_39956.svg.png" decoding="async" width="120" height="126" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/180px-Community_Noun_project_39956.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/240px-Community_Noun_project_39956.svg.png 2x" data-file-width="56" data-file-height="59" /></a></span></td></tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Types of banks</div><div class="sidebar-list-content mw-collapsible-content hlist"> <ul><li><a href="/wiki/Advising_bank" title="Advising bank">Advising</a></li> <li><a href="/wiki/Banq_(term)" class="mw-redirect" title="Banq (term)">Banq</a></li> <li><a href="/wiki/Bulge_bracket" title="Bulge bracket">Bulge bracket</a></li> <li><a href="/wiki/Central_bank" title="Central bank">Central</a></li> <li><a href="/wiki/Commercial_bank" title="Commercial bank">Commercial</a></li> <li><a href="/wiki/Community_development_bank" title="Community development bank">Community development</a></li> <li><a href="/wiki/Cooperative_banking" title="Cooperative banking">Cooperative</a></li> <li><a class="mw-selflink selflink">Credit union</a></li> <li><a href="/wiki/Custodian_bank" title="Custodian bank">Custodian</a></li> <li><a href="/wiki/Depository_bank" title="Depository bank">Depository</a></li> <li><a href="/wiki/Development_finance_institution" title="Development finance institution">Development</a></li> <li><a href="/wiki/Direct_bank" title="Direct bank">Direct</a></li> <li><a href="/wiki/Export_credit_agency" title="Export credit agency">Export credit agency</a></li> <li><a href="/wiki/Investment_banking" title="Investment banking">Investment</a></li> <li><a href="/wiki/Industrial_loan_company" title="Industrial loan company">Industrial</a></li> <li><a href="/wiki/Merchant_bank" title="Merchant bank">Merchant</a></li> <li><a href="/wiki/Bulge_Bracket#Middle_Market" class="mw-redirect" title="Bulge Bracket">Middle market</a></li> <li><a href="/wiki/Money_center_bank" title="Money center bank">Money center</a></li> <li><a href="/wiki/Mutual_savings_bank" title="Mutual savings bank">Mutual savings</a></li> <li><a href="/wiki/Neobank" title="Neobank">Neobank</a></li> <li><a href="/wiki/Offshore_bank" title="Offshore bank">Offshore</a></li> <li><a href="/wiki/Participation_banking" title="Participation banking">Participation</a></li> <li><a href="/wiki/Payments_bank" title="Payments bank">Payments</a></li> <li><a href="/wiki/Postal_savings_system" title="Postal savings system">Postal savings</a></li> <li><a href="/wiki/Private_bank" title="Private bank">Private</a></li> <li><a href="/wiki/Public_bank" title="Public bank">Public</a></li> <li><a href="/wiki/Retail_banking" title="Retail banking">Retail</a></li> <li><a href="/wiki/Savings_bank" title="Savings bank">Savings</a></li> <li><a href="/wiki/Savings_and_loan_association" title="Savings and loan association">Savings and loan</a></li> <li><a href="/wiki/Universal_bank" title="Universal bank">Universal</a></li> <li><a href="/wiki/Wholesale_banking" title="Wholesale banking">Wholesale</a></li> <li><a href="/wiki/Bank_holding_company" title="Bank holding company">Bank holding company</a></li></ul> <i><a href="/wiki/Lists_of_banks" title="Lists of banks">Lists of banks</a></i></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)"><a href="/wiki/Bank_account" title="Bank account">Accounts</a> <b>·</b> <a href="/wiki/Bank_card" title="Bank card">Cards</a></div><div class="sidebar-list-content mw-collapsible-content hlist"><table class="sidebar nomobile nowraplinks" style="background-color: transparent; color: var( --color-base ); border-collapse:collapse; border-spacing:0px; border:none; width:100%; margin:0px; font-size:100%; clear:none; float:none"><tbody><tr><th class="sidebar-heading" style="background:#e9e9ff;font-weight:normal; display:block;margin-top:0.15em;"> Accounts</th></tr><tr><td class="sidebar-content" style="padding-top:0.15em;"> <ul><li><a href="/wiki/Christmas_club" title="Christmas club">Christmas club</a></li> <li><a href="/wiki/Deposit_account" title="Deposit account">Deposit</a></li> <li><a href="/wiki/Money_market_account" title="Money market account">Money-market</a></li> <li><a href="/wiki/Savings_account" title="Savings account">Savings</a></li> <li><a href="/wiki/Time_deposit" title="Time deposit">Time deposit (Bond)</a></li></ul> <a href="/wiki/Transaction_account" title="Transaction account">Transaction (checking / current)</a></td> </tr><tr><th class="sidebar-heading" style="background:#e9e9ff;font-weight:normal; display:block;margin-top:0.15em;"> Cards</th></tr><tr><td class="sidebar-content" style="padding-top:0.15em;"> <ul><li><a href="/wiki/ATM_card" title="ATM card">ATM</a></li> <li><a href="/wiki/Credit_card" title="Credit card">Credit</a></li> <li><a href="/wiki/Debit_card" title="Debit card">Debit</a></li> <li><a href="/wiki/Credit_card#Prepaid_cards" title="Credit card">Prepaid</a></li></ul></td> </tr></tbody></table></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Funds transfer</div><div class="sidebar-list-content mw-collapsible-content hlist"> <ul><li><a href="/wiki/Cheque" title="Cheque">Cheque</a></li> <li><a href="/wiki/Payment_card" title="Payment card">Card</a></li> <li><a href="/wiki/Electronic_funds_transfer" title="Electronic funds transfer">Electronic</a> <ul><li><a href="/wiki/Electronic_bill_payment" title="Electronic bill payment">Bill payment</a></li> <li><a href="/wiki/Mobile_payment" title="Mobile payment">Mobile</a></li></ul></li> <li><a href="/wiki/Wire_transfer" title="Wire transfer">Wire</a> <ul><li><a href="/wiki/Real-time_gross_settlement" title="Real-time gross settlement">RTGS</a></li> <li><a href="/wiki/Net_settlement" title="Net settlement">NS</a></li></ul></li> <li><a href="/wiki/Automated_clearing_house" title="Automated clearing house">ACH</a></li> <li><a href="/wiki/Instant_payment" title="Instant payment">Instant payment</a></li> <li><a href="/wiki/Giro_(banking)" title="Giro (banking)">Giro</a></li> <li><a href="/wiki/SWIFT" title="SWIFT">SWIFT</a> <ul><li><a href="/wiki/Correspondent_account" title="Correspondent account">Correspondent account</a></li></ul></li> <li><a href="/wiki/CLS_Group#Operations" title="CLS Group">CLS</a></li> <li><a href="/wiki/Cross-Border_Interbank_Payment_System" title="Cross-Border Interbank Payment System">CIPS</a></li> <li><a href="/wiki/SPFS" title="SPFS">SPFS</a></li> <li><a href="/wiki/BRICS_PAY" title="BRICS PAY">BRICS PAY</a></li></ul></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Terms</div><div class="sidebar-list-content mw-collapsible-content hlist"><table class="sidebar nomobile nowraplinks" style="background-color: transparent; color: var( --color-base ); border-collapse:collapse; border-spacing:0px; border:none; width:100%; margin:0px; font-size:100%; clear:none; float:none"><tbody><tr><td class="sidebar-content" style="padding-top:0.15em;"> <ul><li><a href="/wiki/Asset" title="Asset">Asset</a> <ul><li><a href="/wiki/Asset_allocation" title="Asset allocation">allocation</a></li> <li><a href="/wiki/Asset_and_liability_management" title="Asset and liability management">management</a></li></ul></li> <li><a href="/wiki/Automated_teller_machine" class="mw-redirect" title="Automated teller machine">Automated teller machine</a></li> <li><a href="/wiki/Bad_debt" title="Bad debt">Bad debt</a></li> <li><a href="/wiki/Bank_regulation" class="mw-redirect" title="Bank regulation">Bank regulation</a></li> <li><a href="/wiki/Bank_secrecy" title="Bank secrecy">Bank secrecy</a></li> <li><a href="/wiki/Capital_appreciation" title="Capital appreciation">Asset growth</a></li> <li><a href="/wiki/Capital_asset" title="Capital asset">Capital asset</a></li> <li><a href="/wiki/Cash" title="Cash">Cash</a></li> <li><a href="/wiki/Climate_finance" title="Climate finance">Climate finance</a></li> <li><a href="/wiki/Corporate_finance" title="Corporate finance">Corporate finance</a></li> <li><a href="/wiki/Disinvestment" title="Disinvestment">Disinvestment</a></li> <li><a href="/wiki/Diversification_(finance)" title="Diversification (finance)">Diversification (finance)</a></li> <li><a href="/wiki/Eco-investing" title="Eco-investing">Eco-investing</a></li> <li><a href="/wiki/Economic_bubble" title="Economic bubble">Economic bubble</a></li> <li><a href="/wiki/Economic_expansion" title="Economic expansion">Economic expansion</a></li> <li><a href="/wiki/Enterprise_value" title="Enterprise value">Enterprise value</a></li> <li><a href="/wiki/Enterprise_risk_management" title="Enterprise risk management">Enterprise risk management</a></li> <li><a href="/wiki/Environmental_finance" title="Environmental finance">Environmental finance</a></li> <li><a href="/wiki/Environmental,_social,_and_governance" title="Environmental, social, and governance">ESG</a></li> <li><a href="/wiki/Ethical_banking" title="Ethical banking">Ethical banking</a></li> <li><a href="/wiki/Finance" title="Finance">Financial</a> <ul><li><a href="/wiki/Financial_analysis" title="Financial analysis">analysis</a></li> <li><a href="/wiki/Financial_analyst" title="Financial analyst">analyst</a></li> <li><a href="/wiki/Financial_asset" title="Financial asset">asset</a></li> <li><a href="/wiki/Financial_economics" title="Financial economics">economics</a></li> <li><a href="/wiki/Financial_engineering" title="Financial engineering">engineering</a></li> <li><a href="/wiki/Financial_forecast" title="Financial forecast">forecast</a></li> <li><a href="/wiki/Financial_plan" title="Financial plan">plan</a></li> <li><a href="/wiki/Financial_planner" title="Financial planner">planner</a></li> <li><a href="/wiki/Financial_services" title="Financial services">services</a></li></ul></li> <li><a href="/wiki/Fractional-reserve_banking" title="Fractional-reserve banking">Fractional-reserve banking</a></li> <li><a href="/wiki/Full-reserve_banking" title="Full-reserve banking">Full-reserve banking</a></li> <li><a href="/wiki/Fundamental_analysis" title="Fundamental analysis">Fundamental analysis</a></li> <li><a href="/wiki/Growth_investing" title="Growth investing">Growth investing</a></li> <li><a href="/wiki/Hedge_(finance)" title="Hedge (finance)">Hedge (finance)</a></li> <li><a href="/wiki/Impact_investing" title="Impact investing">Impact investing</a></li> <li><a href="/wiki/Investment_advisory" title="Investment advisory">Investment advisory</a></li> <li><a href="/wiki/Investment_management" title="Investment management">Investment management</a></li> <li><a href="/wiki/Islamic_banking_and_finance" title="Islamic banking and finance">Islamic banking</a></li> <li><a href="/wiki/Loan" title="Loan">Loan</a></li> <li><a href="/wiki/Mathematical_finance" title="Mathematical finance">Mathematical finance</a></li> <li><a href="/wiki/Mobile_banking" title="Mobile banking">Mobile banking</a></li> <li><a href="/wiki/Money_creation" title="Money creation">Money creation</a></li> <li><a href="/wiki/Pension_fund" title="Pension fund">Pension fund</a></li> <li><a href="/wiki/Private_banking" title="Private banking">Private banking</a></li> <li><a href="/wiki/Sustainability" title="Sustainability">Sustainability</a></li> <li><a href="/wiki/Sustainable_finance" title="Sustainable finance">Sustainable finance</a></li> <li><a href="/wiki/Speculation" title="Speculation">Speculation</a></li> <li><a href="/wiki/Statistical_finance" title="Statistical finance">Statistical finance</a></li> <li><a href="/wiki/Strategic_financial_management" title="Strategic financial management">Strategic financial management</a></li> <li><a href="/wiki/Stress_test_(financial)" title="Stress test (financial)">Stress test (financial)</a></li> <li><a href="/wiki/Structured_finance" title="Structured finance">Structured finance</a></li> <li><a href="/wiki/Structured_product" title="Structured product">Structured product</a></li> <li><a href="/wiki/Toxic_asset" title="Toxic asset">Toxic asset</a></li></ul></td> </tr></tbody></table></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Related topics</div><div class="sidebar-list-content mw-collapsible-content hlist" style="padding-bottom:0;"> <ul><li><a href="/wiki/Asset_pricing" title="Asset pricing">Asset pricing</a></li> <li><a href="/wiki/Bond_(finance)" title="Bond (finance)">Bond (finance)</a></li> <li><a href="/wiki/Capital_structure" title="Capital structure">Capital structure</a></li> <li><a href="/wiki/Corporate_finance" title="Corporate finance">Corporate finance</a></li> <li><a href="/wiki/Cost_of_capital" title="Cost of capital">Cost of capital</a></li> <li><a href="/wiki/Equity_(finance)" title="Equity (finance)">Equity (finance)</a></li> <li><a href="/wiki/Ethical_banking" title="Ethical banking">Ethical banking</a></li> <li><a href="/wiki/Exchange_traded_fund" class="mw-redirect" title="Exchange traded fund">Exchange traded fund</a></li> <li><a href="/wiki/Finance" title="Finance">Financial</a></li> <li><a href="/wiki/Financial_law" title="Financial law">law</a> <ul><li><a href="/wiki/Financial_market" title="Financial market">market</a></li> <li><a href="/wiki/Financial_market_participants" title="Financial market participants">participants</a></li> <li><a href="/wiki/Financial_regulation" title="Financial regulation">regulation</a></li> <li><a href="/wiki/Financial_risk" title="Financial risk">risk</a></li> <li><a href="/wiki/Financial_system" title="Financial system">system</a></li></ul></li> <li><a href="/wiki/History_of_banking" title="History of banking">History of banking</a></li> <li><a href="/wiki/List_of_banks_(alphabetical)" title="List of banks (alphabetical)">List of banks</a></li> <li><a href="/wiki/Market_risk" title="Market risk">Market risk</a></li> <li><a href="/wiki/Personal_finance" title="Personal finance">Personal finance</a></li> <li><a href="/wiki/Public_finance" title="Public finance">Public finance</a></li> <li><a href="/wiki/Security_(finance)" title="Security (finance)">Security (finance)</a></li> <li><a href="/wiki/Share_(finance)" title="Share (finance)">Shares</a></li> <li><a href="/wiki/Sustainable_development_goals" class="mw-redirect" title="Sustainable development goals">Sustainable development goals</a></li> <li><a href="/wiki/Systematic_risk" title="Systematic risk">Systematic risk</a></li> <li><a href="/wiki/Systemic_risk" title="Systemic risk">Systemic risk</a></li> <li><a href="/wiki/Time_value_of_money" title="Time value of money">Time value of money</a></li> <li><a href="/wiki/Too_big_to_fail" title="Too big to fail">Too big to fail</a></li> <li><a href="/wiki/Too_connected_to_fail" title="Too connected to fail">Too connected to fail</a></li> <li><a href="/wiki/Watered_stock" title="Watered stock">Watered stock</a></li></ul> <ol><li class="mw-empty-elt"></li></ol></div></div></td> </tr><tr><td class="sidebar-below hlist"> <ul><li><span class="noviewer" typeof="mw:File"><span title="Category"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/16px-Symbol_category_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/23px-Symbol_category_class.svg.png 1.5x, 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href="/wiki/Template:Banking" title="Template:Banking"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Banking" title="Template talk:Banking"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Banking" title="Special:EditPage/Template:Banking"><abbr title="Edit this template">e</abbr></a></li></ul></div></td></tr></tbody></table> <figure class="mw-default-size" typeof="mw:File/Thumb"><a href="/wiki/File:CoastalFederalCreditUnion-CreedmoorBranch.jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/7/7f/CoastalFederalCreditUnion-CreedmoorBranch.jpg/220px-CoastalFederalCreditUnion-CreedmoorBranch.jpg" decoding="async" width="220" height="147" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/7/7f/CoastalFederalCreditUnion-CreedmoorBranch.jpg/330px-CoastalFederalCreditUnion-CreedmoorBranch.jpg 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/7/7f/CoastalFederalCreditUnion-CreedmoorBranch.jpg/440px-CoastalFederalCreditUnion-CreedmoorBranch.jpg 2x" data-file-width="800" data-file-height="533" /></a><figcaption>A branch of the Coastal Federal Credit Union in Raleigh, North Carolina</figcaption></figure> <p>A <b>credit union</b> is a member-owned <a href="/wiki/Nonprofit_organization" title="Nonprofit organization">nonprofit</a> <a href="/wiki/Cooperative" title="Cooperative">cooperative</a> <a href="/wiki/Financial_institution" title="Financial institution">financial institution</a>. They may offer financial services equivalent to those of <a href="/wiki/Commercial_bank" title="Commercial bank">commercial banks</a>, such as share accounts (<a href="/wiki/Savings_account" title="Savings account">savings accounts</a>), share draft accounts (<a href="/wiki/Checking_account" class="mw-redirect" title="Checking account">cheque accounts</a>), <a href="/wiki/Credit_card" title="Credit card">credit cards</a>, <a href="/wiki/Credit_(finance)" class="mw-redirect" title="Credit (finance)">credit</a>, share term certificates (<a href="/wiki/Certificate_of_deposit" title="Certificate of deposit">certificates of deposit</a>), and <a href="/wiki/Online_banking" title="Online banking">online banking</a>. Normally, only a member of a credit union may <a href="/wiki/Deposit_account" title="Deposit account">deposit</a> or <a href="/wiki/Loan" title="Loan">borrow</a> <a href="/wiki/Money" title="Money">money</a>.<sup id="cite_ref-Credit_Union_Act_2007_1-0" class="reference"><a href="#cite_note-Credit_Union_Act_2007-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-O'Sullivan_2-0" class="reference"><a href="#cite_note-O'Sullivan-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> In several African countries, credit unions are commonly referred to as <i>SACCOs</i> (<i>savings and credit co-operatives</i>).<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> </p><p>Worldwide, credit union systems vary significantly in their total assets and average institution asset size, ranging from volunteer operations with a handful of members to institutions with hundreds of thousands of members and assets worth billions of US dollars.<sup id="cite_ref-cuna_4-0" class="reference"><a href="#cite_note-cuna-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> In 2018, the number of members in credit unions worldwide was 375 million, with over 100 million members having been added since 2016.<sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> </p><p>Leading up to the <a href="/wiki/Financial_crisis_of_2007%E2%80%932008" class="mw-redirect" title="Financial crisis of 2007–2008">financial crisis of 2007–2008</a>, in 2006, 23.6% of mortgages from commercial banks were <a href="/wiki/Subprime_lending" title="Subprime lending"><i>subprime</i></a>, compared to only 3.6% of those from credit unions, and banks were two and a half times more likely to fail during the crisis.<sup id="cite_ref-Li_van_Rijn_p._6-0" class="reference"><a href="#cite_note-Li_van_Rijn_p.-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> American credit unions more than doubled lending to small businesses between 2008 and 2016, from $30 billion to $60 billion, while lending to small businesses overall during the same period declined by around $100 billion.<sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> In the US, public trust in credit unions stands at 60%, compared to 30% for big banks.<sup id="cite_ref-8" class="reference"><a href="#cite_note-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> Furthermore, small businesses are 80% more likely to be satisfied by a credit union than with a big bank.<sup id="cite_ref-9" class="reference"><a href="#cite_note-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup> </p><p>"Natural-person credit unions" (also called "retail credit unions" or "consumer credit unions") serve individuals, as distinguished from "<a href="/wiki/Corporate_credit_union" title="Corporate credit union">corporate credit unions</a>", which serve other credit unions.<sup id="cite_ref-10" class="reference"><a href="#cite_note-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-11" class="reference"><a href="#cite_note-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-12" class="reference"><a href="#cite_note-12"><span class="cite-bracket">[</span>12<span class="cite-bracket">]</span></a></sup> </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="Differences_from_other_financial_institutions">Differences from other financial institutions</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Credit_union&action=edit&section=1" title="Edit section: Differences from other financial institutions"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <figure class="mw-default-size" typeof="mw:File/Thumb"><a href="/wiki/File:Statue_in_Ra%C4%8Da,_Bratislava_of_Samuel_Jurkovi%C4%8D,_founder_of_the_first_cooperative_in_Central_Europe,_Spolok_Gazdovsk%C3%BD.jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/5/51/Statue_in_Ra%C4%8Da%2C_Bratislava_of_Samuel_Jurkovi%C4%8D%2C_founder_of_the_first_cooperative_in_Central_Europe%2C_Spolok_Gazdovsk%C3%BD.jpg/220px-Statue_in_Ra%C4%8Da%2C_Bratislava_of_Samuel_Jurkovi%C4%8D%2C_founder_of_the_first_cooperative_in_Central_Europe%2C_Spolok_Gazdovsk%C3%BD.jpg" decoding="async" width="220" height="293" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/5/51/Statue_in_Ra%C4%8Da%2C_Bratislava_of_Samuel_Jurkovi%C4%8D%2C_founder_of_the_first_cooperative_in_Central_Europe%2C_Spolok_Gazdovsk%C3%BD.jpg/330px-Statue_in_Ra%C4%8Da%2C_Bratislava_of_Samuel_Jurkovi%C4%8D%2C_founder_of_the_first_cooperative_in_Central_Europe%2C_Spolok_Gazdovsk%C3%BD.jpg 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/5/51/Statue_in_Ra%C4%8Da%2C_Bratislava_of_Samuel_Jurkovi%C4%8D%2C_founder_of_the_first_cooperative_in_Central_Europe%2C_Spolok_Gazdovsk%C3%BD.jpg/440px-Statue_in_Ra%C4%8Da%2C_Bratislava_of_Samuel_Jurkovi%C4%8D%2C_founder_of_the_first_cooperative_in_Central_Europe%2C_Spolok_Gazdovsk%C3%BD.jpg 2x" data-file-width="1560" data-file-height="2080" /></a><figcaption>Statue in Rača, Bratislava of Samuel Jurkovič, founder of the first cooperative, or credit union, in Central Europe (Spolok Gazdovský)</figcaption></figure> <p>Credit unions differ from <a href="/wiki/Bank" title="Bank">banks</a> and other financial institutions in that those who have accounts in the credit union are its members and owners,<sup id="cite_ref-Credit_Union_Act_2007_1-1" class="reference"><a href="#cite_note-Credit_Union_Act_2007-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> and they elect their board of directors in a <a href="/wiki/One_man_one_vote" class="mw-redirect" title="One man one vote">one-person-one-vote system</a>, regardless of the amount they might have invested.<sup id="cite_ref-Credit_Union_Act_2007_1-2" class="reference"><a href="#cite_note-Credit_Union_Act_2007-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> Credit unions see themselves as different from mainstream banks, with a mission to be community-oriented and to "serve people, not profit".<sup id="cite_ref-cu_difference_13-0" class="reference"><a href="#cite_note-cu_difference-13"><span class="cite-bracket">[</span>13<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-cudiff_14-0" class="reference"><a href="#cite_note-cudiff-14"><span class="cite-bracket">[</span>14<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-Converts_15-0" class="reference"><a href="#cite_note-Converts-15"><span class="cite-bracket">[</span>15<span class="cite-bracket">]</span></a></sup> </p><p>Surveys of customers at banks and credit unions have consistently shown significantly higher customer satisfaction rates with the quality of service at credit unions.<sup id="cite_ref-Service_quality_16-0" class="reference"><a href="#cite_note-Service_quality-16"><span class="cite-bracket">[</span>16<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-Employee_evaluations_17-0" class="reference"><a href="#cite_note-Employee_evaluations-17"><span class="cite-bracket">[</span>17<span class="cite-bracket">]</span></a></sup> Credit unions have historically claimed to provide superior member service and to be committed to helping members improve their financial situation. In the context of <a href="/wiki/Financial_inclusion" title="Financial inclusion">financial inclusion</a>, credit unions claim to provide a broader range of loan and savings products at a much cheaper cost to their members than do most <a href="/wiki/Microfinance" title="Microfinance">microfinance</a> institutions.<sup id="cite_ref-What_is_a_Credit_Union_18-0" class="reference"><a href="#cite_note-What_is_a_Credit_Union-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup> </p><p>Credit unions differ from modern microfinance. Particularly, members' control over financial resources is the distinguishing feature between the cooperative model and modern microfinance. The current dominant model of microfinance, whether it is provided by not-for-profit or for-profit institutions, places the control over financial resources and their allocation in the hands of a small number of microfinance providers that benefit from the highly profitable sector.<sup id="cite_ref-19" class="reference"><a href="#cite_note-19"><span class="cite-bracket">[</span>19<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Not-for-profit_status">Not-for-profit status</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Credit_union&action=edit&section=2" title="Edit section: Not-for-profit status"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In the credit union context, "<a href="/wiki/Not-for-profit" class="mw-redirect" title="Not-for-profit">not-for-profit</a>" must be distinguished from a charity.<sup id="cite_ref-OED_20-0" class="reference"><a href="#cite_note-OED-20"><span class="cite-bracket">[</span>20<span class="cite-bracket">]</span></a></sup> Credit unions are "not-for-profit" because their purpose is to serve their members rather than to maximize profits,<sup id="cite_ref-What_is_a_Credit_Union_18-1" class="reference"><a href="#cite_note-What_is_a_Credit_Union-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-OED_20-1" class="reference"><a href="#cite_note-OED-20"><span class="cite-bracket">[</span>20<span class="cite-bracket">]</span></a></sup> so unlike charities, credit unions do not rely on donations and are financial institutions that must make what is, in economic terms, a small <a href="/wiki/Profit_(economics)" title="Profit (economics)">profit</a> (i.e., in non-profit accounting terms, a "surplus") to remain in existence.<sup id="cite_ref-What_is_a_Credit_Union_18-2" class="reference"><a href="#cite_note-What_is_a_Credit_Union-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-pearlsratios_21-0" class="reference"><a href="#cite_note-pearlsratios-21"><span class="cite-bracket">[</span>21<span class="cite-bracket">]</span></a></sup> According to the <a href="/wiki/World_Council_of_Credit_Unions" title="World Council of Credit Unions">World Council of Credit Unions</a> (WOCCU), a credit union's <a href="/wiki/Revenue" title="Revenue">revenues</a> (from loans and investments) must exceed its operating expenses and <a href="/wiki/Dividend" title="Dividend">dividends</a> (interest paid on deposits) in order to maintain capital and solvency.<sup id="cite_ref-pearlsratios_21-1" class="reference"><a href="#cite_note-pearlsratios-21"><span class="cite-bracket">[</span>21<span class="cite-bracket">]</span></a></sup> </p><p>In the United States, credit unions incorporated and operating under a state credit union law are tax-exempt under <a href="/wiki/501(c)" class="mw-redirect" title="501(c)">Section 501(c)(14)(A)</a>.<sup id="cite_ref-Internal_Revenue_Manual_22-0" class="reference"><a href="#cite_note-Internal_Revenue_Manual-22"><span class="cite-bracket">[</span>22<span class="cite-bracket">]</span></a></sup> Federal credit unions organized and operated in accordance with the <a href="/wiki/Federal_Credit_Union_Act" title="Federal Credit Union Act">Federal Credit Union Act</a> are tax-exempt under <a href="/wiki/501(c)" class="mw-redirect" title="501(c)">Section 501(c)(1)</a>.<sup id="cite_ref-Publication_557_23-0" class="reference"><a href="#cite_note-Publication_557-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Global_presence">Global presence</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Credit_union&action=edit&section=3" title="Edit section: Global presence"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <figure class="mw-default-size" typeof="mw:File/Thumb"><a href="/wiki/File:Credit_Union_in_Warangal,_India.JPG" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/4/4e/Credit_Union_in_Warangal%2C_India.JPG/220px-Credit_Union_in_Warangal%2C_India.JPG" decoding="async" width="220" height="293" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/4/4e/Credit_Union_in_Warangal%2C_India.JPG/330px-Credit_Union_in_Warangal%2C_India.JPG 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/4/4e/Credit_Union_in_Warangal%2C_India.JPG/440px-Credit_Union_in_Warangal%2C_India.JPG 2x" data-file-width="2448" data-file-height="3264" /></a><figcaption>The directors of the Mulukanoor Women's Thrift Cooperative stand at the entrance to their credit union in <a href="/wiki/Karimnagar" title="Karimnagar">Karimnagar</a> district, <a href="/wiki/Telangana" title="Telangana">Telangana</a>, India.</figcaption></figure> <p>According to the <a href="/wiki/World_Council_of_Credit_Unions" title="World Council of Credit Unions">World Council of Credit Unions</a> (WOCCU), at the end of 2018 there were 85,400 credit unions in 118 countries. Collectively they served 274.2 million members and oversaw <a href="/wiki/US$" class="mw-redirect" title="US$">US$</a>2.19 trillion in assets.<sup id="cite_ref-statport_24-0" class="reference"><a href="#cite_note-statport-24"><span class="cite-bracket">[</span>24<span class="cite-bracket">]</span></a></sup> WOCCU does not include data from <a href="/wiki/Cooperative_banking" title="Cooperative banking">cooperative banks</a>, so, for example, some countries generally seen as the pioneers of credit unionism, such as Germany, France, the Netherlands and Italy, are not always included in their data. The <a href="/wiki/European_Association_of_Co-operative_Banks" title="European Association of Co-operative Banks">European Association of Co-operative Banks</a> reported 38 million members in those four countries at the end of 2010.<sup id="cite_ref-eurocoopbanks_25-0" class="reference"><a href="#cite_note-eurocoopbanks-25"><span class="cite-bracket">[</span>25<span class="cite-bracket">]</span></a></sup> </p><p>The countries with the most credit union activity are highly diverse. According to WOCCU, the countries with the greatest number of credit union members were the <a href="/wiki/Credit_Union_National_Association" title="Credit Union National Association">United States</a> (101 million), India (20 million), <a href="/wiki/Canadian_Credit_Union_Association" title="Canadian Credit Union Association">Canada</a> (10 million), Brazil (6.0 million), South Korea (5.7 million), Philippines (5.4 million), Kenya and Mexico (5.1 million each), Ecuador (4.8 million), Australia (4.5 million), Thailand (4.1 million), Colombia (3.6 million), and <a href="/wiki/Irish_League_of_Credit_Unions" title="Irish League of Credit Unions">Ireland</a> (3.3 million).<sup id="cite_ref-statport_24-1" class="reference"><a href="#cite_note-statport-24"><span class="cite-bracket">[</span>24<span class="cite-bracket">]</span></a></sup> </p><p>The countries with the highest percentage of credit union members in the economically active population were Barbados (82%),<sup id="cite_ref-Percival_26-0" class="reference"><a href="#cite_note-Percival-26"><span class="cite-bracket">[</span>26<span class="cite-bracket">]</span></a></sup> Ireland (75%), Grenada (72%), Trinidad & Tobago (68%), Belize and St. Lucia (67% each), St. Kitts & Nevis (58%), Jamaica (53% each), Antigua and Barbuda (49%), the United States (48%), Ecuador (47%), and Canada (43%). Several African and Latin American countries also had high credit union membership rates, as did Australia and South Korea. The average percentage for all countries considered in the report was 8.2%.<sup id="cite_ref-statport_24-2" class="reference"><a href="#cite_note-statport-24"><span class="cite-bracket">[</span>24<span class="cite-bracket">]</span></a></sup> Credit unions were launched in Poland in 1992; as of 2012<sup class="plainlinks noexcerpt noprint asof-tag update" style="display:none;"><a class="external text" href="https://en.wikipedia.org/w/index.php?title=Credit_union&action=edit">[update]</a></sup> there were 2,000 credit union branches there with 2.2 million members.<sup id="cite_ref-Diekmann_27-0" class="reference"><a href="#cite_note-Diekmann-27"><span class="cite-bracket">[</span>27<span class="cite-bracket">]</span></a></sup> From 1996 to 2016, credit unions in Costa Rica almost tripled their share of the financial market (they grew from 3.7% of the market share to 9.9%), and grew faster than private-sector banks or state-owned banks in Costa Rica, after financial reforms in that country.<sup id="cite_ref-Rojas_28-0" class="reference"><a href="#cite_note-Rojas-28"><span class="cite-bracket">[</span>28<span class="cite-bracket">]</span></a></sup><sup class="reference nowrap"><span title="Page / location: 70">: 70 </span></sup> </p> <div class="mw-heading mw-heading2"><h2 id="History">History</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Credit_union&action=edit&section=4" title="Edit section: History"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <figure class="mw-default-size" typeof="mw:File/Thumb"><a href="/wiki/File:F.W.Raiffeisen.jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/b/be/F.W.Raiffeisen.jpg/220px-F.W.Raiffeisen.jpg" decoding="async" width="220" height="220" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/be/F.W.Raiffeisen.jpg/330px-F.W.Raiffeisen.jpg 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/b/be/F.W.Raiffeisen.jpg/440px-F.W.Raiffeisen.jpg 2x" data-file-width="540" data-file-height="540" /></a><figcaption><a href="/wiki/Friedrich_Wilhelm_Raiffeisen" title="Friedrich Wilhelm Raiffeisen">Friedrich Wilhelm Raiffeisen</a> founded the first rural credit unions in Germany.</figcaption></figure> <figure class="mw-default-size" typeof="mw:File/Thumb"><a href="/wiki/File:Caisse_populaire_de_L%C3%A9vis_circa_1920.jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/2/29/Caisse_populaire_de_L%C3%A9vis_circa_1920.jpg/220px-Caisse_populaire_de_L%C3%A9vis_circa_1920.jpg" decoding="async" width="220" height="170" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/2/29/Caisse_populaire_de_L%C3%A9vis_circa_1920.jpg/330px-Caisse_populaire_de_L%C3%A9vis_circa_1920.jpg 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/2/29/Caisse_populaire_de_L%C3%A9vis_circa_1920.jpg/440px-Caisse_populaire_de_L%C3%A9vis_circa_1920.jpg 2x" data-file-width="590" data-file-height="456" /></a><figcaption>A <a href="/wiki/Desjardins_Group" title="Desjardins Group">caisse populaire</a> credit union in <a href="/wiki/L%C3%A9vis" title="Lévis">Lévis</a>, Quebec, <abbr title="circa">c.</abbr><span style="white-space:nowrap;"> 1920</span></figcaption></figure> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/History_of_credit_unions" title="History of credit unions">History of credit unions</a></div> <p>"Spolok Gazdovský" (<i>The Association of Administrators</i> or <i>The Association of Farmers</i>) founded in 1845 by Samuel Jurkovič, was the first cooperative in Europe (Credit union). The cooperative provided a cheap loan from funds generated by regular savings for members of the cooperative. Members of cooperative had to commit to a moral life and had to plant two trees in a public place every year. Despite the short duration of its existence, until 1851, it thus formed the basis of the cooperative movement in Slovakia.<sup id="cite_ref-29" class="reference"><a href="#cite_note-29"><span class="cite-bracket">[</span>29<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-30" class="reference"><a href="#cite_note-30"><span class="cite-bracket">[</span>30<span class="cite-bracket">]</span></a></sup> Slovak national thinker <a href="/wiki/%C4%BDudov%C3%ADt_%C5%A0t%C3%BAr" title="Ľudovít Štúr">Ľudovít Štúr</a> said about the association: "We would very much like such excellent constitutions to be established throughout our region. They would help to rescue people from evil and misery. A beautiful, great idea, a beautiful excellent constitution!"<sup id="cite_ref-31" class="reference"><a href="#cite_note-31"><span class="cite-bracket">[</span>31<span class="cite-bracket">]</span></a></sup> </p><p>Modern credit union history dates from 1852, when <a href="/wiki/Franz_Hermann_Schulze-Delitzsch" title="Franz Hermann Schulze-Delitzsch">Franz Hermann Schulze-Delitzsch</a> consolidated the learning from two pilot projects, one in <a href="/wiki/Eilenburg" title="Eilenburg">Eilenburg</a> and the other in <a href="/wiki/Delitzsch" title="Delitzsch">Delitzsch</a> in the <a href="/wiki/Kingdom_of_Saxony" title="Kingdom of Saxony">Kingdom of Saxony</a> into what are generally recognized as the first credit unions in the world. He went on to develop a highly successful urban credit union system.<sup id="cite_ref-Moody_32-0" class="reference"><a href="#cite_note-Moody-32"><span class="cite-bracket">[</span>32<span class="cite-bracket">]</span></a></sup> In 1864, <a href="/wiki/Friedrich_Wilhelm_Raiffeisen" title="Friedrich Wilhelm Raiffeisen">Friedrich Wilhelm Raiffeisen</a> founded the first rural credit union in Heddesdorf (now part of <a href="/wiki/Neuwied" title="Neuwied">Neuwied</a>) in Germany.<sup id="cite_ref-Moody_32-1" class="reference"><a href="#cite_note-Moody-32"><span class="cite-bracket">[</span>32<span class="cite-bracket">]</span></a></sup> By the time of Raiffeisen's death in 1888, credit unions had spread to Italy, France, the Netherlands, England, Austria, and other nations.<sup id="cite_ref-Singh_33-0" class="reference"><a href="#cite_note-Singh-33"><span class="cite-bracket">[</span>33<span class="cite-bracket">]</span></a></sup> </p><p>The first credit union in North America, the Caisse Populaire de <a href="/wiki/L%C3%A9vis" title="Lévis">Lévis</a> in <a href="/wiki/Quebec" title="Quebec">Quebec</a>, Canada, began operations on 23 January 1901 with a 10-cent deposit. Founder <a href="/wiki/Alphonse_Desjardins_(co-operator)" title="Alphonse Desjardins (co-operator)">Alphonse Desjardins</a>, a reporter in the Canadian parliament, was moved to take up his mission in 1897 when he learned of a Montrealer who had been ordered by the court to pay nearly <a href="/wiki/Canadian_dollar" title="Canadian dollar">Can$</a>5,000 in interest on a loan of $150 from a moneylender. Drawing extensively on European precedents, Desjardins developed a unique parish-based model for Quebec: the <a href="/wiki/Desjardins_Group" title="Desjardins Group"><i>caisse populaire</i></a>.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (January 2012)">citation needed</span></a></i>]</sup> </p><p>In the United States, <a href="/wiki/St._Mary%27s_Bank" title="St. Mary's Bank">St. Mary's Bank</a> Credit Union of <a href="/wiki/Manchester,_New_Hampshire" title="Manchester, New Hampshire">Manchester, New Hampshire</a>, was the first credit union. Assisted by a personal visit from Desjardins, St. Mary's was founded by <a href="/wiki/French-speaking" class="mw-redirect" title="French-speaking">French-speaking</a> <a href="/wiki/Immigrants" class="mw-redirect" title="Immigrants">immigrants</a> to Manchester from Quebec on 24 November 1908. Several <a href="/wiki/Little_Canadas" class="mw-redirect" title="Little Canadas">Little Canadas</a> throughout <a href="/wiki/New_England" title="New England">New England</a> formed similar credit unions, often out of necessity, as <a href="/wiki/Anglo-American" class="mw-redirect" title="Anglo-American">Anglo-American</a> banks frequently rejected <a href="/wiki/Franco-Americans" class="mw-redirect" title="Franco-Americans">Franco-American</a> loans.<sup id="cite_ref-34" class="reference"><a href="#cite_note-34"><span class="cite-bracket">[</span>34<span class="cite-bracket">]</span></a></sup> <a href="/wiki/America%27s_Credit_Union_Museum" title="America's Credit Union Museum">America's Credit Union Museum</a> now occupies the location of the home from which St. Mary's Bank Credit Union first operated.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (January 2012)">citation needed</span></a></i>]</sup> In November 1910 the Woman's Educational and Industrial Union set up the Industrial Credit Union, modeled on the Desjardins credit unions it was the first non-faith-based community credit union serving all people in the greater Boston area. The oldest statewide credit union in the United States was established in 1913.<sup id="cite_ref-35" class="reference"><a href="#cite_note-35"><span class="cite-bracket">[</span>35<span class="cite-bracket">]</span></a></sup> The St. Mary's Bank Credit Union serves any resident of the <a href="/wiki/Commonwealth_of_Massachusetts" class="mw-redirect" title="Commonwealth of Massachusetts">Commonwealth of Massachusetts</a>.<sup id="cite_ref-abettercreditunion_36-0" class="reference"><a href="#cite_note-abettercreditunion-36"><span class="cite-bracket">[</span>36<span class="cite-bracket">]</span></a></sup> </p><p>After being promoted by the <a href="/wiki/Catholic_Church" title="Catholic Church">Catholic Church</a> in the 1940s to assist the poor in <a href="/wiki/Latin_America" title="Latin America">Latin America</a>, credit unions expanded rapidly during the 1950s and 1960s, especially in Bolivia, Costa Rica, the Dominican Republic, Honduras, and Peru. The Regional Confederation of Latin American Credit Unions (COLAC) was formed and with funding by the <a href="/wiki/Inter-American_Development_Bank" title="Inter-American Development Bank">Inter-American Development Bank</a> credit unions in the regions grew rapidly throughout the 1970s and into the early 1980s. By 1988 COLAC credit unions represented four million members across 17 countries with a loan portfolio of circa US$0.5 billion. However, from the late 1970s onwards many Latin American credit unions struggled with inflation, stagnating membership, and serious loan recovery problems. In the 1980s donor agencies such as <a href="/wiki/USAID" class="mw-redirect" title="USAID">USAID</a> attempted to rehabilitate Latin American credit unions by providing technical assistance and focusing credit unions' efforts on mobilising deposits from the local population. In 1987, the <a href="/wiki/Latin_American_debt_crisis" title="Latin American debt crisis">regional financial crisis</a> caused a run on credit unions. Significant withdrawals and high default rates caused liquidity problems for many credit unions in the region.<sup id="cite_ref-Balkenhol_37-0" class="reference"><a href="#cite_note-Balkenhol-37"><span class="cite-bracket">[</span>37<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Stability_and_risks">Stability and risks</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Credit_union&action=edit&section=5" title="Edit section: Stability and risks"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Credit unions and banks in most jurisdictions are legally required to maintain a reserve requirement of assets to liabilities. If a credit union or traditional bank is unable to maintain positive cash flow and/or is forced to declare insolvency, its assets are distributed to creditors (including depositors) in order of seniority according to bankruptcy law. If the total deposits exceed the assets remaining after more senior creditors are paid, all depositors will lose some or all of their initial deposits. However, many jurisdictions have <a href="/wiki/Deposit_insurance" title="Deposit insurance">deposit insurance</a> that promises to reimburse members for funds lost up to a certain threshold, such as the <a href="/wiki/National_Credit_Union_Administration" title="National Credit Union Administration">National Credit Union Administration</a>’s <a href="/wiki/National_Credit_Union_Share_Insurance_Fund" title="National Credit Union Share Insurance Fund">Share Insurance Fund</a> or the <a href="/wiki/Canada_Deposit_Insurance_Corporation" title="Canada Deposit Insurance Corporation">Canada Deposit Insurance Corporation</a>. </p> <div class="mw-heading mw-heading2"><h2 id="Corporate">Corporate</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Credit_union&action=edit&section=6" title="Edit section: Corporate"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">Main article: <a href="/wiki/Corporate_credit_union" title="Corporate credit union">Corporate credit union</a></div> <p>Credit unions as such provide service only to individual consumers. <i>Corporate credit unions</i> (also known as <i>central credit unions</i> in Canada) provide service to credit unions, with operational support, funds clearing tasks, and product and service delivery. </p> <div class="mw-heading mw-heading2"><h2 id="Leagues_and_associations">Leagues and associations</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Credit_union&action=edit&section=7" title="Edit section: Leagues and associations"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Credit unions often form cooperatives among themselves to provide services to members. A <a href="/wiki/Credit_union_service_organization" title="Credit union service organization">credit union service organization</a> (CUSO) is generally a for-profit subsidiary of one or more credit unions formed for this purpose. For example, <a href="/wiki/CO-OP_Financial_Services" class="mw-redirect" title="CO-OP Financial Services">CO-OP Financial Services</a>, the largest credit-union-owned <a href="/wiki/Interbank_network" title="Interbank network">interbank network</a> in the United States, provides an ATM network and shared branching services to credit unions. Other examples of cooperatives among credit unions include credit counselling services as well as insurance and investment services.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (January 2012)">citation needed</span></a></i>]</sup> </p><p>State credit union leagues can partner with outside organizations to promote initiatives for credit unions or customers. For example, the Indiana Credit Union League sponsors an initiative called "Ignite", which is used to encourage innovation in the credit union industry, with the Filene Research Institute.<sup id="cite_ref-ICUL_ignite_program_38-0" class="reference"><a href="#cite_note-ICUL_ignite_program-38"><span class="cite-bracket">[</span>38<span class="cite-bracket">]</span></a></sup> </p><p>The <a href="/wiki/Credit_Union_National_Association" title="Credit Union National Association">Credit Union National Association</a> (CUNA) is a national trade association for both state- and federally chartered credit unions located in the United States. The <a href="/wiki/National_Credit_Union_Foundation" title="National Credit Union Foundation">National Credit Union Foundation</a> is the primary charitable arm of the United States' credit union movement and an affiliate of CUNA. </p><p>The National Association of Federally-Insured Credit Unions (NAFCU) is a national trade association for all state and federally-chartered credit unions. Based outside of Washington, D.C., NAFCU's mission is to provide all credit unions with federal advocacy, compliance assistance, and education. </p><p>The <a href="/wiki/World_Council_of_Credit_Unions" title="World Council of Credit Unions">World Council of Credit Unions</a> (WOCCU) is both a <a href="/wiki/Trade_association" title="Trade association">trade association</a> for credit unions worldwide and a <a href="/wiki/Development_agency" class="mw-redirect" title="Development agency">development agency</a>. The WOCCU's mission is to "assist its members and potential members to organize, expand, improve and integrate credit unions and related institutions as effective instruments for the economic and social development of all people".<sup id="cite_ref-about/mission_39-0" class="reference"><a href="#cite_note-about/mission-39"><span class="cite-bracket">[</span>39<span class="cite-bracket">]</span></a></sup> </p><p><a href="/wiki/EverythingCU.com" title="EverythingCU.com">EverythingCU.com</a> is an online community of credit union professionals.<sup id="cite_ref-40" class="reference"><a href="#cite_note-40"><span class="cite-bracket">[</span>40<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Deposit_insurance">Deposit insurance</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Credit_union&action=edit&section=8" title="Edit section: Deposit insurance"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In the United States, federal credit unions are chartered and overseen by the <a href="/wiki/National_Credit_Union_Administration" title="National Credit Union Administration">National Credit Union Administration</a> (NCUA), which also provides deposit insurance similar to the manner in which the <a href="/wiki/Federal_Deposit_Insurance_Corporation" title="Federal Deposit Insurance Corporation">Federal Deposit Insurance Corporation</a> (FDIC) provides deposit insurance to banks. State-chartered credit unions are overseen by the state's financial regulatory agency and may, but are not required to, obtain deposit insurance. Because of problems with bank failures in the past, no state provides deposit insurance and as such there are two primary sources for depository insurance – the NCUA and <a href="/wiki/American_Share_Insurance" title="American Share Insurance">American Share Insurance</a> (ASI), a private insurer based in Ohio. </p><p>In Canada, the majority of credit unions and <i>caisses populaires</i> are provincially incorporated and deposit insurance is provided by a provincial <a href="/wiki/Crown_corporations_of_Canada" class="mw-redirect" title="Crown corporations of Canada">Crown corporation</a>. For example, in Ontario up to <span style="white-space: nowrap">CA$</span>250,000 of eligible deposits in credit unions are insured by the <a href="/wiki/Financial_Services_Regulatory_Authority_of_Ontario" title="Financial Services Regulatory Authority of Ontario">Financial Services Regulatory Authority of Ontario</a>.<sup id="cite_ref-41" class="reference"><a href="#cite_note-41"><span class="cite-bracket">[</span>41<span class="cite-bracket">]</span></a></sup> Federal credit unions, such as the <a href="/wiki/UNI_Financial_Cooperation" title="UNI Financial Cooperation">UNI Financial Cooperation</a> <i>caisse</i> in New Brunswick,<sup id="cite_ref-42" class="reference"><a href="#cite_note-42"><span class="cite-bracket">[</span>42<span class="cite-bracket">]</span></a></sup> are incorporated under federal charters and are members of the <a href="/wiki/Canada_Deposit_Insurance_Corporation" title="Canada Deposit Insurance Corporation">Canada Deposit Insurance Corporation</a>.<sup id="cite_ref-43" class="reference"><a href="#cite_note-43"><span class="cite-bracket">[</span>43<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="See_also">See also</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Credit_union&action=edit&section=9" title="Edit section: See also"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239009302">.mw-parser-output .portalbox{padding:0;margin:0.5em 0;display:table;box-sizing:border-box;max-width:175px;list-style:none}.mw-parser-output .portalborder{border:1px solid var(--border-color-base,#a2a9b1);padding:0.1em;background:var(--background-color-neutral-subtle,#f8f9fa)}.mw-parser-output .portalbox-entry{display:table-row;font-size:85%;line-height:110%;height:1.9em;font-style:italic;font-weight:bold}.mw-parser-output .portalbox-image{display:table-cell;padding:0.2em;vertical-align:middle;text-align:center}.mw-parser-output .portalbox-link{display:table-cell;padding:0.2em 0.2em 0.2em 0.3em;vertical-align:middle}@media(min-width:720px){.mw-parser-output .portalleft{clear:left;float:left;margin:0.5em 1em 0.5em 0}.mw-parser-output .portalright{clear:right;float:right;margin:0.5em 0 0.5em 1em}}</style><ul role="navigation" aria-label="Portals" class="noprint portalbox portalborder portalright"> <li class="portalbox-entry"><span class="portalbox-image"><span class="noviewer" typeof="mw:File"><span><img alt="icon" src="//upload.wikimedia.org/wikipedia/commons/thumb/9/9d/All-currency-symbol.svg/28px-All-currency-symbol.svg.png" decoding="async" width="28" height="28" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/9/9d/All-currency-symbol.svg/42px-All-currency-symbol.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/9/9d/All-currency-symbol.svg/56px-All-currency-symbol.svg.png 2x" data-file-width="54" data-file-height="54" /></span></span></span><span class="portalbox-link"><a href="/wiki/Portal:Banks" title="Portal:Banks">Banks portal</a></span></li></ul> <ul><li><a href="/wiki/Bond_of_association" title="Bond of association">Bond of association</a></li> <li><a href="/wiki/Consumers%27_cooperative" class="mw-redirect" title="Consumers' cooperative">Consumers' cooperative</a></li> <li><a href="/wiki/Cooperative_banking" title="Cooperative banking">Cooperative banking</a></li> <li><a href="/wiki/Capital_market" title="Capital market">Capital market</a></li> <li><a href="/wiki/Community_federal_credit_union" title="Community federal credit union">Community federal credit union</a></li> <li><a href="/wiki/Deposit_account" title="Deposit account">Deposit account</a></li> <li><a href="/wiki/Democratic_member_control_(cooperatives)" class="mw-redirect" title="Democratic member control (cooperatives)">Democratic member control (cooperatives)</a></li> <li><a href="/wiki/History_of_credit_unions" title="History of credit unions">History of credit unions</a></li> <li><a href="/wiki/Humanomics" title="Humanomics">Humanomics</a></li> <li><a href="/wiki/Labour_Bank" title="Labour Bank">Labour Bank</a></li> <li><a href="/wiki/Credit_unions_in_Canada" title="Credit unions in Canada">Credit unions in Canada</a></li> <li><a href="/wiki/Credit_unions_in_the_United_Kingdom" title="Credit unions in the United Kingdom">Credit unions in the United Kingdom</a></li> <li><a href="/wiki/Credit_unions_in_the_United_States" title="Credit unions in the United States">Credit unions in the United States</a></li></ul> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Credit_union&action=edit&section=10" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output .reflist-columns li{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .reflist-upper-alpha{list-style-type:upper-alpha}.mw-parser-output .reflist-upper-roman{list-style-type:upper-roman}.mw-parser-output .reflist-lower-alpha{list-style-type:lower-alpha}.mw-parser-output .reflist-lower-greek{list-style-type:lower-greek}.mw-parser-output .reflist-lower-roman{list-style-type:lower-roman}</style><div class="reflist reflist-columns references-column-width" style="column-width: 30em;"> <ol class="references"> <li id="cite_note-Credit_Union_Act_2007-1"><span class="mw-cite-backlink">^ <a href="#cite_ref-Credit_Union_Act_2007_1-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-Credit_Union_Act_2007_1-1"><sup><i><b>b</b></i></sup></a> <a href="#cite_ref-Credit_Union_Act_2007_1-2"><sup><i><b>c</b></i></sup></a></span> <span class="reference-text"><style data-mw-deduplicate="TemplateStyles:r1238218222">.mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free.id-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon a{background:url("//upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg")right 0.1em center/12px no-repeat}body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-free a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-limited a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-registration a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-subscription a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .cs1-ws-icon a{background-size:contain;padding:0 1em 0 0}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20090509071709/http://ncua.gov/RegulationsOpinionsLaws/fcu_act/fcu_act.pdf">"12 U.S.C. § 1752(1), CUNA Model Credit Union Act (2007)"</a> <span class="cs1-format">(PDF)</span>. <a href="/wiki/National_Credit_Union_Administration" title="National Credit Union Administration">National Credit Union Administration</a>. Archived from <a rel="nofollow" class="external text" href="https://www.ncua.gov/RegulationsOpinionsLaws/fcu_act/fcu_act.pdf">the original</a> <span class="cs1-format">(PDF)</span> on 2009-05-09<span class="reference-accessdate">. Retrieved <span class="nowrap">26 August</span> 2015</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=12+U.S.C.+%C2%A7+1752%281%29%2C+CUNA+Model+Credit+Union+Act+%282007%29&rft.pub=National+Credit+Union+Administration&rft_id=http%3A%2F%2Fwww.ncua.gov%2FRegulationsOpinionsLaws%2Ffcu_act%2Ffcu_act.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-O'Sullivan-2"><span class="mw-cite-backlink"><b><a href="#cite_ref-O'Sullivan_2-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFO'SullivanSheffrin2003" class="citation book cs1"><a href="/wiki/Arthur_O%27Sullivan_(economist)" title="Arthur O'Sullivan (economist)">O'Sullivan, Arthur</a>; Sheffrin, Steven M. (2003). <i>Economics: Principles in action</i>. Upper Saddle River, New Jersey: Prentice Hall. p. 511. <a href="/wiki/ISBN_(identifier)" class="mw-redirect" title="ISBN (identifier)">ISBN</a> <a href="/wiki/Special:BookSources/0-13-063085-3" title="Special:BookSources/0-13-063085-3"><bdi>0-13-063085-3</bdi></a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=book&rft.btitle=Economics%3A+Principles+in+action&rft.place=Upper+Saddle+River%2C+New+Jersey&rft.pages=511&rft.pub=Prentice+Hall&rft.date=2003&rft.isbn=0-13-063085-3&rft.aulast=O%27Sullivan&rft.aufirst=Arthur&rft.au=Sheffrin%2C+Steven+M.&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-3"><span class="mw-cite-backlink"><b><a href="#cite_ref-3">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="https://www.obopay.com/blog/payments-that-matter-saccos-in-africa/#:~:text=SACCOs%20are%20popular%20in%20African,Ksh%20800%20billion%20in%20assets.&text=In%20the%202016%20FinAccess%20survey,adults%20use%20savings%2Fdeposit%20instruments.">"Payments That Matter: SACCOs In Africa"</a>.</span> </li> <li id="cite_note-cuna-4"><span class="mw-cite-backlink"><b><a href="#cite_ref-cuna_4-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20090325223318/http://advice.cuna.org/download/combanks_cus.pdf">"Slide 1"</a> <span class="cs1-format">(PDF)</span>. Archived from <a rel="nofollow" class="external text" href="http://advice.cuna.org/download/combanks_cus.pdf">the original</a> <span class="cs1-format">(PDF)</span> on 2009-03-25<span class="reference-accessdate">. Retrieved <span class="nowrap">2011-10-09</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Slide+1&rft_id=http%3A%2F%2Fadvice.cuna.org%2Fdownload%2Fcombanks_cus.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-5"><span class="mw-cite-backlink"><b><a href="#cite_ref-5">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.creditunionnetwork.eu/cus_globally#:~:text=Credit%20Unions%20Worldwide&text=They%20help%20375%20million%20members,homes%20and%20educating%20their%20children.">"Credit Unions Globally"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Credit+Unions+Globally&rft_id=http%3A%2F%2Fwww.creditunionnetwork.eu%2Fcus_globally%23%3A~%3Atext%3DCredit%2520Unions%2520Worldwide%26text%3DThey%2520help%2520375%2520million%2520members%2Chomes%2520and%2520educating%2520their%2520children.&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-Li_van_Rijn_p.-6"><span class="mw-cite-backlink"><b><a href="#cite_ref-Li_van_Rijn_p._6-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFLivan_Rijn2022" class="citation journal cs1">Li, Kangli; van Rijn, Jordan (9 May 2022). <a rel="nofollow" class="external text" href="https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID4012771_code3327643.pdf?abstractid=3506873&mirid=1&type=2">"Credit Union and Bank Subprime Lending in the Great Recession"</a> <span class="cs1-format">(PDF)</span>. <i>The Review of Corporate Finance Studies</i>. <b>13</b> (2). Oxford University Press (OUP): 494–538. <a href="/wiki/Doi_(identifier)" class="mw-redirect" title="Doi (identifier)">doi</a>:<a rel="nofollow" class="external text" href="https://doi.org/10.1093%2Frcfs%2Fcfac020">10.1093/rcfs/cfac020</a>. <a href="/wiki/ISSN_(identifier)" class="mw-redirect" title="ISSN (identifier)">ISSN</a> <a rel="nofollow" class="external text" href="https://search.worldcat.org/issn/2046-9128">2046-9128</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Review+of+Corporate+Finance+Studies&rft.atitle=Credit+Union+and+Bank+Subprime+Lending+in+the+Great+Recession&rft.volume=13&rft.issue=2&rft.pages=494-538&rft.date=2022-05-09&rft_id=info%3Adoi%2F10.1093%2Frcfs%2Fcfac020&rft.issn=2046-9128&rft.aulast=Li&rft.aufirst=Kangli&rft.au=van+Rijn%2C+Jordan&rft_id=https%3A%2F%2Fpapers.ssrn.com%2Fsol3%2FDelivery.cfm%2FSSRN_ID4012771_code3327643.pdf%3Fabstractid%3D3506873%26mirid%3D1%26type%3D2&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-7"><span class="mw-cite-backlink"><b><a href="#cite_ref-7">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20190828223019/https://www.sba.gov/advocacy/how-did-bank-lending-small-business-united-states-fare-after-financial-crisis">"How Did Bank Lending to Small Business in the United States Fare After the Financial Crisis? - The U.S. Small Business Administration - SBA.gov"</a>. <i>www.sba.gov</i>. Archived from <a rel="nofollow" class="external text" href="https://www.sba.gov/advocacy/how-did-bank-lending-small-business-united-states-fare-after-financial-crisis">the original</a> on 2019-08-28<span class="reference-accessdate">. Retrieved <span class="nowrap">2018-11-29</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=www.sba.gov&rft.atitle=How+Did+Bank+Lending+to+Small+Business+in+the+United+States+Fare+After+the+Financial+Crisis%3F+-+The+U.S.+Small+Business+Administration+-+SBA.gov&rft_id=https%3A%2F%2Fwww.sba.gov%2Fadvocacy%2Fhow-did-bank-lending-small-business-united-states-fare-after-financial-crisis&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-8"><span class="mw-cite-backlink"><b><a href="#cite_ref-8">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20181129100705/https://nwcua.org/2014/09/03/credit-unions-twice-as-trusted-as-big-banks/">"Credit Unions Twice as Trusted as Big Banks"</a>. Archived from <a rel="nofollow" class="external text" href="https://nwcua.org/2014/09/03/credit-unions-twice-as-trusted-as-big-banks/">the original</a> on 2018-11-29<span class="reference-accessdate">. Retrieved <span class="nowrap">2018-11-29</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Credit+Unions+Twice+as+Trusted+as+Big+Banks&rft_id=https%3A%2F%2Fnwcua.org%2F2014%2F09%2F03%2Fcredit-unions-twice-as-trusted-as-big-banks%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-9"><span class="mw-cite-backlink"><b><a href="#cite_ref-9">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.newyorkfed.org/medialibrary/media/smallbusiness/2016/SBCS-Report-EmployerFirms-2016.pdf#page=23">"LENDER SATISFACTION"</a> <span class="cs1-format">(PDF)</span>. April 2017.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=LENDER+SATISFACTION&rft.date=2017-04&rft_id=https%3A%2F%2Fwww.newyorkfed.org%2Fmedialibrary%2Fmedia%2Fsmallbusiness%2F2016%2FSBCS-Report-EmployerFirms-2016.pdf%23page%3D23&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-10"><span class="mw-cite-backlink"><b><a href="#cite_ref-10">^</a></b></span> <span class="reference-text">Frank J. Fabozzi & Mark B. 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Marianopolis College<span class="reference-accessdate">. Retrieved <span class="nowrap">5 September</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Qu%C3%A9bec+History&rft.atitle=French-Canadian+Emigration+to+the+United+States%2C+1840%E2%80%931930&rft.aulast=B%C3%A9langer&rft.aufirst=Damien-Claude&rft_id=https%3A%2F%2Ffrontiertechnologyinstitute.com%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-35"><span class="mw-cite-backlink"><b><a href="#cite_ref-35">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFFraserRimas2010" class="citation book cs1">Fraser, Evan D. G.; Rimas, Andrew (2010). <a rel="nofollow" class="external text" href="https://books.google.com/books?id=X_OaBDzFAHwC"><i>Empires of food: feast, famine, and the rise and fall of civilizations</i></a>. New York: Free Press. p. 166. <a href="/wiki/ISBN_(identifier)" class="mw-redirect" title="ISBN (identifier)">ISBN</a> <a href="/wiki/Special:BookSources/9781439110133" title="Special:BookSources/9781439110133"><bdi>9781439110133</bdi></a><span class="reference-accessdate">. Retrieved <span class="nowrap">26 May</span> 2024</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=book&rft.btitle=Empires+of+food%3A+feast%2C+famine%2C+and+the+rise+and+fall+of+civilizations&rft.place=New+York&rft.pages=166&rft.pub=Free+Press&rft.date=2010&rft.isbn=9781439110133&rft.aulast=Fraser&rft.aufirst=Evan+D.+G.&rft.au=Rimas%2C+Andrew&rft_id=https%3A%2F%2Fbooks.google.com%2Fbooks%3Fid%3DX_OaBDzFAHwC&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-abettercreditunion-36"><span class="mw-cite-backlink"><b><a href="#cite_ref-abettercreditunion_36-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.abettercreditunion.com">"St. Mary's Credit Union"</a><span class="reference-accessdate">. Retrieved <span class="nowrap">2009-08-24</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=St.+Mary%27s+Credit+Union&rft_id=http%3A%2F%2Fwww.abettercreditunion.com&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-Balkenhol-37"><span class="mw-cite-backlink"><b><a href="#cite_ref-Balkenhol_37-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFBalkenhol1999" class="citation book cs1">Balkenhol, Bernd (1999). <a rel="nofollow" class="external text" href="https://books.google.com/books?id=ruiQg-HeK3AC&q=%22credit+unions%22+latin+america"><i>Credit Unions and the Poverty Challenge</i></a>. Upper Saddle River, New Jersey: International Labour Organization. pp. 45–47. <a href="/wiki/ISBN_(identifier)" class="mw-redirect" title="ISBN (identifier)">ISBN</a> <a href="/wiki/Special:BookSources/9789221108528" title="Special:BookSources/9789221108528"><bdi>9789221108528</bdi></a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=book&rft.btitle=Credit+Unions+and+the+Poverty+Challenge&rft.place=Upper+Saddle+River%2C+New+Jersey&rft.pages=45-47&rft.pub=International+Labour+Organization&rft.date=1999&rft.isbn=9789221108528&rft.aulast=Balkenhol&rft.aufirst=Bernd&rft_id=https%3A%2F%2Fbooks.google.com%2Fbooks%3Fid%3DruiQg-HeK3AC%26q%3D%2522credit%2Bunions%2522%2Blatin%2Bamerica&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-ICUL_ignite_program-38"><span class="mw-cite-backlink"><b><a href="#cite_ref-ICUL_ignite_program_38-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://archive.today/20140210184922/http://bankcreditnews.com/banking/indiana-credit-union-reps-chosen-take-part-icul-ignite-program-innovation/15578/">"Indiana credit union reps chosen to take part in ICUL ignite program for innovation"</a>. <i>Bank Credit News</i>. Archived from <a rel="nofollow" class="external text" href="http://bankcreditnews.com/banking/indiana-credit-union-reps-chosen-take-part-icul-ignite-program-innovation/15578/">the original</a> on 2014-02-10.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Bank+Credit+News&rft.atitle=Indiana+credit+union+reps+chosen+to+take+part+in+ICUL+ignite+program+for+innovation&rft_id=http%3A%2F%2Fbankcreditnews.com%2Fbanking%2Findiana-credit-union-reps-chosen-take-part-icul-ignite-program-innovation%2F15578%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-about/mission-39"><span class="mw-cite-backlink"><b><a href="#cite_ref-about/mission_39-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20190419152415/http://www.woccu.org/about/mission">"Mission"</a>. WOCCU. Archived from <a rel="nofollow" class="external text" href="http://www.woccu.org/about/mission/">the original</a> on 2019-04-19<span class="reference-accessdate">. Retrieved <span class="nowrap">2009-11-25</span></span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Mission&rft.pub=WOCCU&rft_id=http%3A%2F%2Fwww.woccu.org%2Fabout%2Fmission%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-40"><span class="mw-cite-backlink"><b><a href="#cite_ref-40">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="https://www.cutimes.com/2004/05/18/cumarketing-dept-com-reinvents-self-as-everythingc">"CUMarketingDept.com reinvents itself as EverythingCU.com"</a>. <i><a href="/w/index.php?title=Credit_Union_Times&action=edit&redlink=1" class="new" title="Credit Union Times (page does not exist)">Credit Union Times</a></i>. May 18, 2004.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Credit+Union+Times&rft.atitle=CUMarketingDept.com+reinvents+itself+as+EverythingCU.com&rft.date=2004-05-18&rft_id=https%3A%2F%2Fwww.cutimes.com%2F2004%2F05%2F18%2Fcumarketing-dept-com-reinvents-self-as-everythingc&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-41"><span class="mw-cite-backlink"><b><a href="#cite_ref-41">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.fsrao.ca/consumers/deposit-insurance-and-credit-unions">"Deposit Insurance and Credit Unions"</a>. <i>Financial Services Regulatory Authority of Ontario</i><span class="reference-accessdate">. Retrieved <span class="nowrap">6 February</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Financial+Services+Regulatory+Authority+of+Ontario&rft.atitle=Deposit+Insurance+and+Credit+Unions&rft_id=https%3A%2F%2Fwww.fsrao.ca%2Fconsumers%2Fdeposit-insurance-and-credit-unions&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-42"><span class="mw-cite-backlink"><b><a href="#cite_ref-42">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.uni.ca/en/contenu.cfm?id=2490">"Canada Deposit Insurance Corporation"</a>. <i>UNI Coopération financière</i><span class="reference-accessdate">. Retrieved <span class="nowrap">September 7,</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=UNI+Coop%C3%A9ration+financi%C3%A8re&rft.atitle=Canada+Deposit+Insurance+Corporation&rft_id=https%3A%2F%2Fwww.uni.ca%2Fen%2Fcontenu.cfm%3Fid%3D2490&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> <li id="cite_note-43"><span class="mw-cite-backlink"><b><a href="#cite_ref-43">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.cdic.ca/en/about-di/federal-credit-union/Pages/default.aspx">"Federal credit unions (FCUs)"</a>. <i>Canada Deposit Insurance Corporation</i><span class="reference-accessdate">. Retrieved <span class="nowrap">September 7,</span> 2017</span>. <q>Once continued federally, FCUs become members of CDIC. As such, eligible deposits placed with an FCU enjoy CDIC deposit protection.</q></cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Canada+Deposit+Insurance+Corporation&rft.atitle=Federal+credit+unions+%28FCUs%29&rft_id=http%3A%2F%2Fwww.cdic.ca%2Fen%2Fabout-di%2Ffederal-credit-union%2FPages%2Fdefault.aspx&rfr_id=info%3Asid%2Fen.wikipedia.org%3ACredit+union" class="Z3988"></span></span> </li> </ol></div> <div class="mw-heading mw-heading2"><h2 id="Further_reading">Further reading</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Credit_union&action=edit&section=11" title="Edit section: Further reading"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a href="/wiki/Ian_MacPherson_(historian)" title="Ian MacPherson (historian)">Ian MacPherson</a>. <i>Hands Around the Globe: A History of the International Credit Union Movement and the Role and Development of the World Council of Credit Unions, Inc.</i> Horsdal & Schubart Publishers Ltd, 1999.</li> <li><a href="/wiki/Friedrich_Wilhelm_Raiffeisen" title="Friedrich Wilhelm Raiffeisen">F.W. Raiffeisen</a>. <i>The Credit Unions</i>. Trans. by Konrad Engelmann. The Raiffeisen Printing and Publishing Company, Neuwid on the Rhine, Germany, 1970.</li> <li>Fountain, Wendell. <i>The Credit Union World</i>. AuthorHouse, Bloomington, Indiana, 2007. <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><a href="/wiki/ISBN_(identifier)" class="mw-redirect" title="ISBN (identifier)">ISBN</a> <a href="/wiki/Special:BookSources/978-1-4259-7006-2" title="Special:BookSources/978-1-4259-7006-2">978-1-4259-7006-2</a></li></ul> <div class="mw-heading mw-heading2"><h2 id="External_links">External links</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Credit_union&action=edit&section=12" title="Edit section: External links"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1235681985">.mw-parser-output .side-box{margin:4px 0;box-sizing:border-box;border:1px solid #aaa;font-size:88%;line-height:1.25em;background-color:var(--background-color-interactive-subtle,#f8f9fa);display:flow-root}.mw-parser-output .side-box-abovebelow,.mw-parser-output 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title="Savings and loan association">Savings and loan association</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">See also</th><td class="navbox-list-with-group navbox-list navbox-even hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Co-operative_Party" title="Co-operative Party">Co-operative Party</a></li> <li><a href="/wiki/Co-operatives_UK" title="Co-operatives UK">Co-operatives UK</a></li> <li><a href="/wiki/Consumers%27_co-operative" title="Consumers' co-operative">Consumers' co-operative</a></li> <li><a href="/wiki/International_Co-operative_Alliance" class="mw-redirect" title="International Co-operative Alliance">International Co-operative Alliance</a></li> <li><a href="/wiki/List_of_cooperatives" title="List of cooperatives">List of cooperatives</a></li> <li><a href="/wiki/List_of_co-operative_federations" title="List of co-operative federations">List of cooperative federations</a></li> <li><a href="/wiki/List_of_worker_cooperatives" title="List of worker cooperatives">List of worker cooperatives</a></li> <li><a href="/wiki/Purchasing_cooperative" title="Purchasing cooperative">Purchasing cooperative</a></li> <li><a href="/wiki/Worker_cooperative" title="Worker cooperative">Worker cooperative</a></li></ul> </div></td></tr></tbody></table></div> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236075235"></div><div role="navigation" class="navbox" aria-labelledby="Cooperatives_and_mutual_organizations" style="padding:3px"><table class="nowraplinks mw-collapsible autocollapse navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239400231"><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Co-operatives" title="Template:Co-operatives"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Co-operatives" title="Template talk:Co-operatives"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Co-operatives" title="Special:EditPage/Template:Co-operatives"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Cooperatives_and_mutual_organizations" style="font-size:114%;margin:0 4em"><a href="/wiki/Cooperative" title="Cooperative">Cooperatives</a> and <a href="/wiki/Mutual_organization" title="Mutual organization">mutual organizations</a></div></th></tr><tr><td colspan="2" class="navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks mw-collapsible uncollapsed navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><div id="Organizations" style="font-size:114%;margin:0 4em">Organizations</div></th></tr><tr><td colspan="2" class="navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="row" class="navbox-group" style="width:1%">By governance</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="row" class="navbox-group" style="width:7.4em;font-weight:normal;">Primary cooperative (<a href="/wiki/List_of_cooperatives" title="List of cooperatives">list</a>)</th><td class="navbox-list-with-group navbox-list navbox-odd" style="padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Consumers%27_co-operative" title="Consumers' co-operative">Consumer</a></li> <li><a href="/wiki/Worker_cooperative" title="Worker cooperative">Worker</a> (<a href="/wiki/List_of_worker_cooperatives" title="List of worker cooperatives">list</a>)</li> <li><a href="/wiki/Purchasing_cooperative" title="Purchasing cooperative">Purchasing</a></li> <li><a href="/wiki/Retailers%27_cooperative" title="Retailers' cooperative">Retailer</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:7.4em;font-weight:normal;"><a href="/wiki/Cooperative_federation" title="Cooperative federation">Federation</a> (<a href="/wiki/List_of_co-operative_federations" title="List of co-operative federations">list</a>)</th><td class="navbox-list-with-group navbox-list navbox-even" style="padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/International_Co-operative_Alliance" class="mw-redirect" title="International Co-operative Alliance">International Co-operative Alliance</a></li> <li><a href="/wiki/Co-operative_wholesale_society" title="Co-operative wholesale society">Cooperative wholesale society</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">By product</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="row" class="navbox-group" style="width:7.4em;font-weight:normal;"><a href="/wiki/Cooperative_banking" title="Cooperative banking">Banking</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="padding:0"><div style="padding:0 0.25em"> <ul><li><a class="mw-selflink selflink">Credit union</a></li> <li><a href="/wiki/Mutual_savings_bank" title="Mutual savings bank">Mutual savings bank</a></li> <li><a href="/wiki/Savings_and_loan_association" title="Savings and loan association">Savings and loan association</a></li> <li><a href="/wiki/Building_society" title="Building society">Building society</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:7.4em;font-weight:normal;"><a href="/wiki/Housing_cooperative" title="Housing cooperative">Housing</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Building_cooperative" title="Building cooperative">Building</a></li> <li><a href="/wiki/Cohousing" title="Cohousing">Cohousing</a></li> <li><a href="/wiki/Student_housing_cooperative" title="Student housing cooperative">Student housing</a></li> <li><a href="/wiki/Housing_society" class="mw-redirect" title="Housing society">Housing society</a> <ul><li><a href="/wiki/Egalitarian_community" title="Egalitarian community">egalitarian</a></li> <li><a href="/wiki/Intentional_community" title="Intentional community">commune</a></li></ul></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:7.4em;font-weight:normal;"><a href="/wiki/Agricultural_cooperative" title="Agricultural cooperative">Agricultural</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Collective_farming" title="Collective farming">Collective farming</a></li> <li><a href="/wiki/Hoedads_Reforestation_Cooperative" title="Hoedads Reforestation Cooperative">Reforestation</a></li> <li><a href="/wiki/Winemaking_cooperative" title="Winemaking cooperative">Winemaking</a></li> <li><a href="/wiki/Wheat_pools_in_Canada" title="Wheat pools in Canada">Wheat pool</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:7.4em;font-weight:normal;"><a href="/wiki/Utility_cooperative" title="Utility cooperative">Utility</a> (<a href="/wiki/List_of_utility_cooperatives" title="List of utility cooperatives">list</a>)</th><td class="navbox-list-with-group navbox-list navbox-even" style="padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Community_wind_energy" title="Community wind energy">Community wind energy</a></li> <li><a href="/wiki/Electric_cooperative" class="mw-redirect" title="Electric cooperative">Electric</a></li> <li><a href="/wiki/Telephone_cooperative" class="mw-redirect" title="Telephone cooperative">Telephone</a></li> <li><a href="/wiki/Municipal_broadband" title="Municipal broadband">Broadband</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:7.4em;font-weight:normal;">Insurance</th><td class="navbox-list-with-group navbox-list navbox-odd" style="padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Health_insurance_cooperative" title="Health insurance cooperative">Health insurance cooperative</a></li> <li><a href="/wiki/Mutual_insurance" title="Mutual insurance">Mutual insurance</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:7.4em;font-weight:normal;">Other</th><td class="navbox-list-with-group navbox-list navbox-even" style="padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Food_cooperative" title="Food cooperative">Food</a> <ul><li><a href="/wiki/List_of_food_cooperatives" title="List of food cooperatives">list</a></li></ul></li> <li><a href="/wiki/Recycling_cooperative" title="Recycling cooperative">Recycling</a></li> <li><a href="/wiki/Platform_cooperative" title="Platform cooperative">Platform</a></li> <li><a href="/wiki/Media_cooperative" title="Media cooperative">Media</a></li> <li><a href="/wiki/Social_cooperative" title="Social cooperative">Social services</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Other</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Friendly_society" title="Friendly society">Friendly society</a></li> <li><a href="/wiki/Agent-owned_company" title="Agent-owned company">Agent-owned company</a></li> <li><i><a href="/wiki/Stokvel" title="Stokvel">Stokvel</a></i></li> <li><i><a href="/wiki/Artel" title="Artel">Artel</a></i></li></ul> </div></td></tr></tbody></table><div></div></td></tr></tbody></table><div></div></td></tr><tr><td colspan="2" class="navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks mw-collapsible mw-collapsed navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><div id="Topics" style="font-size:114%;margin:0 4em">Topics</div></th></tr><tr><td colspan="2" class="navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="row" class="navbox-group" style="width:1%">Identity</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Rochdale_Principles" title="Rochdale Principles">Rochdale Principles</a></li> <li><a href="/wiki/Statement_on_the_Co-operative_Identity" class="mw-redirect" title="Statement on the Co-operative Identity">ICA Statement on the Cooperative Identity</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Political and<br />economic theories</div></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Co-operative_economics" title="Co-operative economics">Co-operative economics</a></li> <li><a href="/wiki/Co-operative_federalism" class="mw-redirect" title="Co-operative federalism">Cooperative federalism</a></li> <li><a href="/wiki/Distributism" title="Distributism">Distributism</a></li> <li><a href="/wiki/Economic_democracy" title="Economic democracy">Economic democracy</a></li> <li><a href="/wiki/Guild_socialism" title="Guild socialism">Guild socialism</a></li> <li><a href="/wiki/Mutualism_(economic_theory)" title="Mutualism (economic theory)">Mutualism</a></li> <li><a href="/wiki/Neo-capitalism" title="Neo-capitalism">Neo-capitalism</a></li> <li><a href="/wiki/Owenism" title="Owenism">Owenism</a></li> <li><a href="/wiki/Social_enterprise" title="Social enterprise">Social enterprise</a></li> <li><a href="/wiki/Socialism" title="Socialism">Socialism</a></li> <li><a href="/wiki/Socially_responsible_investing" title="Socially responsible investing">Socially responsible investing</a></li> <li><a href="/wiki/Solidarity_economy" title="Solidarity economy">Solidarity economy</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Key theorists</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/G._D._H._Cole" title="G. D. H. Cole">G. D. H. Cole</a></li> <li><a href="/wiki/Charles_Gide" title="Charles Gide">Charles Gide</a></li> <li><a href="/wiki/David_Griffiths_(co-operative_economist)" title="David Griffiths (co-operative economist)">David Griffiths</a></li> <li><a href="/wiki/William_King_(physician)" title="William King (physician)">William King</a></li> <li><a href="/wiki/Robert_Owen" title="Robert Owen">Robert Owen</a></li> <li><a href="/wiki/Friedrich_Wilhelm_Raiffeisen" title="Friedrich Wilhelm Raiffeisen">Friedrich Wilhelm Raiffeisen</a></li> <li><a href="/wiki/David_Schweickart" title="David Schweickart">David Schweickart</a></li> <li><a href="/wiki/Rochdale_Society_of_Equitable_Pioneers" title="Rochdale Society of Equitable Pioneers">Rochdale Pioneers</a></li> <li><a href="/wiki/Beatrice_Webb" title="Beatrice Webb">Beatrice Webb</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">By region</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Farmers%27_Storehouse_Company" title="Farmers' Storehouse Company">Canada</a></li> <li><a href="/wiki/Ukrainian_cooperative_movement" title="Ukrainian cooperative movement">Ukraine</a></li> <li><a href="/wiki/British_co-operative_movement" title="British co-operative movement">United Kingdom</a></li> <li><a href="/wiki/History_of_cooperatives_in_the_United_States" title="History of cooperatives in the United States">United States</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Political parties</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Co-operative_Commonwealth_Federation" title="Co-operative Commonwealth Federation">Co-operative Commonwealth Federation</a> (Canada)</li> <li><a href="/wiki/United_Farmers_of_Alberta" title="United Farmers of Alberta">United Farmers of Alberta</a> (Canada)</li> <li><a href="/wiki/Co-operative_Party" title="Co-operative Party">Co-operative Party</a> (UK)</li> <li><a href="/wiki/Nepal_Co-operative_Party" title="Nepal Co-operative Party">Nepal Co-operative Party</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr></tbody></table><div></div></td></tr><tr><td class="navbox-abovebelow hlist" colspan="2"><div> <ul><li><a href="/wiki/History_of_the_cooperative_movement" title="History of the cooperative movement">History of the cooperative movement</a></li> <li><a href="/wiki/.coop" title=".coop">.coop</a></li></ul> </div></td></tr></tbody></table></div> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236075235"></div><div role="navigation" class="navbox" aria-labelledby="Insurance" style="padding:3px"><table class="nowraplinks hlist mw-collapsible autocollapse navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239400231"><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Insurance" title="Template:Insurance"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Insurance" title="Template talk:Insurance"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Insurance" title="Special:EditPage/Template:Insurance"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Insurance" style="font-size:114%;margin:0 4em"><a href="/wiki/Insurance" title="Insurance">Insurance</a></div></th></tr><tr><th scope="row" class="navbox-group" style="width:1%">Types of <br />insurance</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Health_insurance" title="Health insurance">Health</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Accident_insurance" title="Accident insurance">Accident</a></li> <li><a href="/wiki/Accidental_death_and_dismemberment_insurance" title="Accidental death and dismemberment insurance">Accidental death and dismemberment</a></li> <li><a href="/wiki/Dental_insurance" title="Dental insurance">Dental</a></li> <li><a href="/wiki/Disability_insurance" title="Disability insurance">Disability</a> <ul><li><a href="/wiki/Total_permanent_disability_insurance" title="Total permanent disability insurance">Total permanent disability</a></li> <li><a href="/wiki/Business_overhead_expense_disability_insurance" title="Business overhead expense disability insurance">Business overhead expense</a></li></ul></li> <li><a href="/wiki/Income_protection_insurance" title="Income protection insurance">Income protection</a></li> <li><a href="/wiki/Long-term_care_insurance" title="Long-term care insurance">Long-term care</a></li> <li><a href="/wiki/National_health_insurance" title="National health insurance">National health</a></li> <li><a href="/wiki/Payment_protection_insurance" title="Payment protection insurance">Payment protection</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Life_insurance" title="Life insurance">Life</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Longevity_insurance" title="Longevity insurance">Longevity insurance</a></li> <li><a href="/wiki/Mortgage_life_insurance" title="Mortgage life insurance">Mortgage life</a></li> <li><a href="/wiki/Term_life_insurance" title="Term life insurance">Term life</a></li> <li><a href="/wiki/Unitised_insurance_fund" title="Unitised insurance fund">Unitised fund</a></li> <li><a href="/wiki/Universal_life_insurance" title="Universal life insurance">Universal life</a></li> <li><a href="/wiki/Variable_universal_life_insurance" title="Variable universal life insurance">Variable universal life</a></li> <li><a href="/wiki/Whole_life_insurance" title="Whole life insurance">Whole life</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Business</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Bond_insurance" title="Bond insurance">Bond</a></li> <li><a href="/wiki/Business_interruption_insurance" title="Business interruption insurance">Business interruption</a></li> <li><a href="/wiki/Business_owner%27s_policy" title="Business owner's policy">Business owner</a></li> <li><a href="/wiki/Collateral_protection_insurance" title="Collateral protection insurance">Collateral protection</a></li> <li><a href="/wiki/Directors_and_officers_liability_insurance" title="Directors and officers liability insurance">Directors and officers liability</a></li> <li><a href="/wiki/Fidelity_bond" title="Fidelity bond">Fidelity</a></li> <li><a href="/wiki/Over-redemption_insurance" title="Over-redemption insurance">Over-redemption</a></li> <li><a href="/wiki/Payment_protection_insurance" title="Payment protection insurance">Payment protection</a></li> <li><a href="/wiki/Pollution_insurance" title="Pollution insurance">Pollution</a></li> <li><a href="/wiki/Professional_liability_insurance" title="Professional liability insurance">Professional liability</a></li> <li><a href="/wiki/Protection_and_indemnity_insurance" title="Protection and indemnity insurance">Protection and indemnity</a></li> <li><a href="/wiki/Surety" title="Surety">Surety</a></li> <li><a href="/wiki/Trade_credit_insurance" title="Trade credit insurance">Trade credit</a></li> <li><a href="/wiki/Umbrella_insurance" title="Umbrella insurance">Umbrella</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Residential</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Boiler_insurance" class="mw-redirect" title="Boiler insurance">Boiler</a></li> <li><a href="/wiki/Builder%27s_risk_insurance" title="Builder's risk insurance">Builder's risk</a></li> <li><a href="/wiki/Contents_insurance" title="Contents insurance">Contents</a></li> <li><a href="/wiki/Earthquake_insurance" title="Earthquake insurance">Earthquake</a></li> <li><a href="/wiki/Flood_insurance" title="Flood insurance">Flood</a></li> <li><a href="/wiki/Home_insurance" title="Home insurance">Home</a></li> <li><a href="/wiki/Landlords%27_insurance" title="Landlords' insurance">Landlords'</a></li> <li><a href="/wiki/Lenders_mortgage_insurance" title="Lenders mortgage insurance">Lenders mortgage</a></li> <li><a href="/wiki/Mortgage_insurance" title="Mortgage insurance">Mortgage</a></li> <li><a href="/wiki/Property_insurance" title="Property insurance">Property</a></li> <li><a href="/wiki/Renters%27_insurance" title="Renters' insurance">Renters'</a></li> <li><a href="/wiki/Title_insurance" title="Title insurance">Title</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Transport/<br />Communication</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Aviation_insurance" title="Aviation insurance">Aviation</a></li> <li><a href="/wiki/GAP_insurance" title="GAP insurance">GAP insurance</a></li> <li><a href="/wiki/Inland_marine_insurance" title="Inland marine insurance">Inland marine</a></li> <li><a href="/wiki/Public_auto_insurance" title="Public auto insurance">Public auto</a></li> <li><a href="/wiki/Marine_insurance" title="Marine insurance">Marine</a></li> <li><a href="/wiki/Satellite_insurance" title="Satellite insurance">Satellite</a></li> <li><a href="/wiki/Shipping_insurance" title="Shipping insurance">Shipping</a></li> <li><a href="/wiki/Travel_insurance" title="Travel insurance">Travel</a></li> <li><a href="/wiki/Vehicle_insurance" title="Vehicle insurance">Vehicle</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Other</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Reinsurance" title="Reinsurance">Reinsurance</a> <ul><li><a href="/wiki/Catastrophe_bond" title="Catastrophe bond">Catastrophe bond</a></li> <li><a href="/wiki/Insurance-linked_security" title="Insurance-linked security">Insurance-linked securities</a></li></ul></li> <li><a href="/wiki/Casualty_insurance" title="Casualty insurance">Casualty</a></li> <li><a href="/wiki/Climate_risk_insurance" title="Climate risk insurance">Climate risk</a></li> <li><a href="/wiki/Insurance#Casualty_insurance" title="Insurance">Crime</a></li> <li><a href="/wiki/Crop_insurance" title="Crop insurance">Crop</a> <ul><li><a href="/wiki/Catastrophic_crop_insurance" title="Catastrophic crop insurance">Catastrophic</a></li> <li><a href="/wiki/Multi-peril_crop_insurance" title="Multi-peril crop insurance">Multi-peril</a></li></ul></li> <li><a href="/wiki/Cyber_insurance" title="Cyber insurance">Cyber</a></li> <li><a href="/wiki/Deposit_insurance" title="Deposit insurance">Deposit</a></li> <li><a href="/wiki/Expatriate_insurance" title="Expatriate insurance">Expatriate</a></li> <li><a href="/wiki/Extended_warranty" title="Extended warranty">Extended warranty</a></li> <li><a href="/wiki/Group_insurance" title="Group insurance">Group</a></li> <li><a href="/wiki/Index-based_insurance" title="Index-based insurance">Index-based</a> <ul><li><a href="/wiki/Parametric_insurance" title="Parametric insurance">Parametric</a></li></ul></li> <li><a href="/wiki/Interest_rate_insurance" title="Interest rate insurance">Interest rate</a></li> <li><a href="/wiki/Kidnap_and_ransom_insurance" title="Kidnap and ransom insurance">Kidnap and ransom</a></li> <li><a href="/wiki/Legal_expenses_insurance" title="Legal expenses insurance">Legal expenses</a></li> <li><a href="/wiki/Liability_insurance" title="Liability insurance">Liability</a></li> <li><a href="/wiki/No-fault_insurance" title="No-fault insurance">No-fault</a></li> <li><a href="/wiki/Pet_insurance" title="Pet insurance">Pet</a></li> <li><a href="/wiki/Political_risk_insurance" title="Political risk insurance">Political risk</a></li> <li><a href="/wiki/Prize_indemnity_insurance" title="Prize indemnity insurance">Prize indemnity</a></li> <li><a href="/wiki/Takaful" title="Takaful">Takaful</a></li> <li><a href="/wiki/Terrorism_insurance" title="Terrorism insurance">Terrorism</a></li> <li><a href="/wiki/Tuition_insurance" title="Tuition insurance">Tuition</a></li> <li><a href="/wiki/War_risk_insurance" title="War risk insurance">War risk</a></li> <li><a href="/wiki/Weather_insurance" title="Weather insurance">Weather</a></li> <li><a href="/wiki/Workers%27_compensation" title="Workers' compensation">Workers' compensation</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Insurance_policy" title="Insurance policy">Insurance <br />policy</a> <br />and <a href="/wiki/Insurance_law" title="Insurance law">law</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Act_of_God" title="Act of God">Act of God</a></li> <li><a href="/wiki/Actuarial_science" title="Actuarial science">Actuarial science</a> <ul><li><a href="/wiki/Actuary" title="Actuary">Actuary</a></li> <li><a href="/wiki/Adverse_selection" title="Adverse selection">Adverse selection</a></li> <li><a href="/wiki/Risk" title="Risk">Risk</a></li> <li><a href="/wiki/Risk_assessment" title="Risk assessment">Risk assessment</a></li> <li><a href="/wiki/Risk_management" title="Risk management">Risk management</a></li> <li><a href="/wiki/Uncertainty" title="Uncertainty">Uncertainty</a>/<a href="/wiki/Knightian_uncertainty" title="Knightian uncertainty">Knightian</a></li> <li><a href="/wiki/Value_of_life" title="Value of life">Value of life</a></li></ul></li> <li><a href="/wiki/Actual_cash_value" title="Actual cash value">Actual cash value</a></li> <li><a href="/wiki/Cash_value" title="Cash value">Cash value</a></li> <li><a href="/wiki/Insurance_broker" title="Insurance broker">Broker</a></li> <li><a href="/wiki/Cancellation_(insurance)" title="Cancellation (insurance)">Cancellation</a> <ul><li><i><a href="/wiki/Pro_rata" title="Pro rata">Pro rata</a></i></li> <li>Short rate table</li></ul></li> <li><a href="/wiki/Cause_of_action" title="Cause of action">Claim</a> <ul><li><a href="/wiki/Claims_adjuster" class="mw-redirect" title="Claims adjuster">Claims adjuster</a></li></ul></li> <li><a href="/wiki/Deductible" title="Deductible">Deductible</a> <ul><li><a href="/wiki/Co-insurance" title="Co-insurance">Co-insurance</a></li> <li><a href="/wiki/Copayment" title="Copayment">Copayment</a></li> <li><a href="/wiki/Out-of-pocket_expense" title="Out-of-pocket expense">Out-of-pocket expense</a></li></ul></li> <li><a href="/wiki/Explanation_of_benefits" title="Explanation of benefits">Explanation of benefits</a></li> <li><i><a href="/wiki/Force_majeure" title="Force majeure">Force majeure</a></i></li> <li><a href="/wiki/General_average" title="General average">General average</a></li> <li><a href="/wiki/Indemnity" title="Indemnity">Indemnity</a></li> <li><a href="/wiki/Insurability" title="Insurability">Insurability</a></li> <li><a href="/wiki/Insurable_interest" title="Insurable interest">Insurable interest</a></li> <li><a href="/wiki/Insurance_fraud" title="Insurance fraud">Insurance fraud</a></li> <li><a href="/wiki/Proximate_cause" title="Proximate cause">Proximate cause</a></li> <li><a href="/wiki/Replacement_value" title="Replacement value">Replacement value</a></li> <li><a href="/wiki/Risk_pool" title="Risk pool">Risk pool</a></li> <li><a href="/wiki/Self-insurance" title="Self-insurance">Self-insurance</a></li> <li><a href="/wiki/Total_loss" title="Total loss">Total loss</a></li> <li><a href="/wiki/Underinsured" title="Underinsured">Underinsurance</a></li> <li><a href="/wiki/Underwriting" title="Underwriting">Underwriting</a> <ul><li><a href="/wiki/Underwriting_profit" title="Underwriting profit">Profit</a></li></ul></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Insurance <br />by country</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Insurance_in_Australia" title="Insurance in Australia">Australia</a></li> <li><a href="/wiki/Insurance_industry_in_China" title="Insurance industry in China">China</a></li> <li><a href="/wiki/Insurance_in_India" title="Insurance in India">India</a></li> <li><a href="/wiki/Insurance_in_Pakistan" title="Insurance in Pakistan">Pakistan</a></li> <li><a href="/wiki/Insurance_in_Serbia" title="Insurance in Serbia">Serbia</a></li> <li><a href="/wiki/Insurance_in_the_United_Kingdom" title="Insurance in the United Kingdom">United Kingdom</a></li> <li><a href="/wiki/Insurance_in_the_United_States" title="Insurance in the United States">United States</a> <ul><li><a href="/wiki/Climate_change_and_insurance_in_the_United_States" title="Climate change and insurance in the United States">Climate change</a></li> <li><a href="/wiki/Health_insurance_in_the_United_States" title="Health insurance in the United States">Health insurance</a></li> <li><a href="/wiki/Health_insurance_costs_in_the_United_States" title="Health insurance costs in the United States">Health insurance costs</a></li> <li><a href="/wiki/Health_insurance_coverage_in_the_United_States" title="Health insurance coverage in the United States">Health insurance coverage</a></li> <li><a href="/wiki/Vehicle_insurance_in_the_United_States" title="Vehicle insurance in the United States">Vehicle insurance</a></li></ul></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/History_of_insurance" title="History of insurance">History</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Banker_(ancient)" title="Banker (ancient)">Mesopotamian banker</a></li> <li><a href="/wiki/Code_of_Hammurabi" title="Code of Hammurabi">Code of Hammurabi</a> <ul><li><a href="/wiki/Marine_insurance" title="Marine insurance">§100–105; §126</a>; <a href="/wiki/Labour_law" title="Labour law">§234</a>; <a href="/wiki/Marine_insurance" title="Marine insurance">§235–238; §240</a>; <a href="/wiki/Labour_law" title="Labour law">§275–277</a></li></ul></li> <li><i><a href="/wiki/Collegium_(ancient_Rome)" title="Collegium (ancient Rome)">Collegium</a></i> <ul><li><a href="/wiki/Burial_society" title="Burial society">Burial society</a></li> <li><a href="/wiki/Guild" title="Guild">Guild</a></li></ul></li> <li><i><a href="/wiki/Corpus_Juris_Civilis" title="Corpus Juris Civilis">Corpus Juris Civilis</a></i> <ul><li><i><a href="/wiki/Digest_(Roman_law)" title="Digest (Roman law)">Digesta</a></i></li></ul></li> <li><a href="/wiki/Syndicate" title="Syndicate">Syndicate</a></li> <li><a href="/wiki/Benefit_society" title="Benefit society">Benefit</a>/<a href="/wiki/Friendly_society" title="Friendly society">Friendly society</a> <ul><li><a href="/wiki/Cooperative" title="Cooperative">Cooperative</a></li> <li><a href="/wiki/Cooperative_banking" title="Cooperative banking">Cooperative banking</a></li> <li><a class="mw-selflink selflink">Credit union</a></li> <li><a href="/wiki/Fraternal_order" title="Fraternal order">Fraternal order</a></li> <li><a href="/wiki/Mutual_organization" title="Mutual organization">Mutual organization</a></li> <li><a href="/wiki/Mutual_savings_bank" title="Mutual savings bank">Mutual savings bank</a></li> <li><a href="/wiki/Rochdale_Principles" title="Rochdale Principles">Rochdale Principles</a></li> <li><a href="/wiki/Savings_and_loan_association" title="Savings and loan association">Savings and loan association</a></li> <li><a href="/wiki/Social_insurance" title="Social insurance">Social insurance</a></li> <li><a href="/wiki/Trade_union" title="Trade union">Trade union</a></li></ul></li> <li><a href="/wiki/Insurance_cycle" title="Insurance cycle">Insurance cycle</a></li></ul> </div></td></tr><tr><td class="navbox-abovebelow" colspan="2"><div> <ul><li><b><a href="/wiki/Category:Insurance" title="Category:Insurance">Category</a></b></li> <li><b><a href="/wiki/Outline_of_finance#Insurance" title="Outline of finance">List of topics</a></b></li></ul> </div></td></tr></tbody></table></div> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236075235"><style data-mw-deduplicate="TemplateStyles:r1038841319">.mw-parser-output .tooltip-dotted{border-bottom:1px dotted;cursor:help}</style></div><div role="navigation" class="navbox authority-control" aria-labelledby="Authority_control_databases_frameless&#124;text-top&#124;10px&#124;alt=Edit_this_at_Wikidata&#124;link=https&#58;//www.wikidata.org/wiki/Q745877#identifiers&#124;class=noprint&#124;Edit_this_at_Wikidata" style="padding:3px"><table 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href="http://www.encyclopediaofukraine.com/display.asp?linkpath=pages\C\R\Creditunion">Internet Encyclopedia of Ukraine</a></span></li></ul></div></td></tr></tbody></table></div>    </div><noscript><img src="https://login.wikimedia.org/wiki/Special:CentralAutoLogin/start?type=1x1" alt="" width="1" height="1" style="border: none; position: absolute;"></noscript> <div class="printfooter" data-nosnippet="">Retrieved from "<a dir="ltr" href="https://en.wikipedia.org/w/index.php?title=Credit_union&oldid=1242706477">https://en.wikipedia.org/w/index.php?title=Credit_union&oldid=1242706477</a>"</div></div> <div id="catlinks" class="catlinks" data-mw="interface"><div id="mw-normal-catlinks" class="mw-normal-catlinks"><a href="/wiki/Help:Category" title="Help:Category">Categories</a>: <ul><li><a href="/wiki/Category:Credit_unions" title="Category:Credit unions">Credit unions</a></li><li><a href="/wiki/Category:Cooperative_banking" title="Category:Cooperative banking">Cooperative 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