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A Credit Union is a not-for-profit financial co-operative owned by, and run for the benefit of, its Members. In a Credit Union people with a common connection, (or “Common Bond”), join together and organise their financial affairs as a group. This enables them to gain advantages, and access services, as part of the group, that they would not be able to enjoy as individuals. Credit Unions operate to a very high set of ethical principles which require that all members are treated with respect and dignity, no matter how much, or little they have saved or borrowed.