Credit Unions in Richmond KY are owned by members of a financially based cooperative. The main focus is to provide inexpensive rates and financial services to members only. Many credit unions have a strong focus on community which benefits it's members in helping to develop the local community.
In general, Credit Unions are non-profit in the United States which allows them to provide their members with very competitive rates and services when compared to banks. They date back to 1852 when Friedrich Wilhelm Raiffelsen began them in Germany.
There are many Credit Unions located throughout the world in multiple countries with pioneers in France, Italy, Germany and more. On average, about 7.5% of all countries have one totaling over 3 million members worldwide.
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