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Credit Unions: For People, Not Profit 
History of the Credit Union Movement

Credit Societies: 1852-1864
Two men, Hermann Schulze-Delitzsch and Friedrich Wilhelm Raiffeisen, were responsible for creating the first true credit unions in Germany in 1852 and 1864. During 1849, Raiffeisen founded a credit society in Flammersfeld, Germany, but it depended on the charity of wealthy men for its support. Raiffeisen remained committed to that concept until 1864, when he organized a new credit union along principles still fundamental today.

Continue for the complete history, and the Credit Union Philosophy...

Find a Credit Union / aSmarterChoice

Credit unions are not-for-profit financial institutions that offer many of the same products and services as banks—including savings and checking accounts, loans, ATMs and online banking. But it's in the differences that can save you money. Credit unions are owned and controlled by their members, not profit-driven shareholders. That means the average credit union can offer better rates and lower fees.
Learn about joining a credit union today.


Thrive: that is what we hope to help you do. In this extraordinary economic times, finding quick and easy tools - and easy to understand financial education - can be hard to find, especially in one manageable, concise location. We have brought together a wealth of resources - to make your journey and navigation through the financial world a bit easier. With calculators, worksheets, educational resources and the financial basics, we hope to take some of the stress out of finding your way through the financial maze.

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