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Credit Unions end up being a totally unique concept inside the financial and banking industries. They are not for profit banks, neither could they be savings and loans exactly. They began in Germany as an ideal to offer relief to poor farmers have been victimized by bad weather and crop failure in the mid 1800's. So successful did they prove in Germany, which they eventually made their way to America. One was begun inside the United States in New Hampshire in 1908.

I(nterest) = P(rincipal) x R(ate) x T(ime) OR i=P(rt)

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