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credit union
A credit union is a member-owned financial cooperative, democratically controlled by its members, and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members.〔〔 Many credit unions also provide services intended to support community development〔 or sustainable international development on a local level.
Worldwide, credit union systems vary significantly in terms of total system assets and average institution asset size, ranging from volunteer operations with a handful of members to institutions with assets worth several billion US dollars and hundreds of thousands of members.〔 Credit unions operate alongside other mutual and/or co-operative organisations engaging in cooperative banking, such as building societies.
== Differences from other financial institutions ==
Credit unions differ from banks and other financial institutions in that those who have accounts in the credit union are its members and owners,〔 and they elect their board of directors in a one-person-one-vote system regardless of their amount invested.〔 Credit unions see themselves as different from mainstream banks, with a mission to be "community-oriented" and "serve people, not profit".〔〔〔
Credit unions offer many of the same financial services as banks, but often using a different terminology; common services include share accounts (savings accounts), share draft accounts (checking accounts), credit cards, share term certificates (certificates of deposit), and online banking.〔 Normally, only a member of a credit union may deposit or borrow money.〔 Surveys of customers at banks and credit unions have consistently shown a significantly higher customer satisfaction rate with the quality of service at credit unions.〔〔 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 financial inclusion credit unions claim to provide a broader range of loan and savings products at a much cheaper cost to their members than do most microfinance institutions.〔
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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