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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. [1] Credit unions in the United States may either be chartered by the federal government [2] or a state government. [3] The National Credit Union ...
The credit union began life as the Leeds Council Employees Credit Union, offering savings and loans to local authority staff. In 1997, it became a community credit union, open to everyone living or working in the local authority area.