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how are credit unions initially financed
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​estimated start-up and operating costs in chartering a credit union notes in part: given the significant costs involved, most groups seek grant money and   non-member deposits (if pre-approved for the low-income designation)   to help subsidize the pre-chartering costs and annual operating   expenses. thus, in forming the union there would be the money from members and possible grants to ensure completion of the chartering process which is how one starts a cu in the us.
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