<prompt> Human: I am looking at joining a credit union. They have an account that if I have a 2000 dollar balance they pay a 2.00 dividend rate. What does that mean? I have the money for this but dont know what this means. Thanks  <response>: Its called a dividend rate because in a credit union youre not a customer youre a shareholder and the money in your account isnt counted as dollars but as shares.So youll receive a dividend from your shares, if you keep a certain amount of money invested in the credit union. 