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What is a Credit Union?

A Credit Union is a community savings and loan scheme. Though it is not allowed to call itself a bank it operates rather like a very simple one, offering opportunities for savings and affordable loans. It has collection points in local community places where volunteers have trained as collectors. After paying outgoings such as rent, any remaining "profit" coming from the interest on loans etc., is paid out in the form of an annual dividend to its members.

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