What are Credit Unions
Credit unions are financial cooperatives that can provide banking services to the members of the union. The loans they give out comes from savings of other members. It is a nonprofit financial institution that is not publicly traded.
The advantages of this being, the members can take loans with relatively lower interest rates, there will be lower account minimums.
The disadvantage would be that the credit unions are sometimes unable to provide the convenience of a commercial bank as in there will be less accessibility in some cases.
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