{"id":18331,"date":"2025-04-04T16:27:18","date_gmt":"2025-04-04T20:27:18","guid":{"rendered":"http:\/\/staging.caribefederal.com\/?page_id=18331"},"modified":"2025-08-07T22:42:59","modified_gmt":"2025-08-08T02:42:59","slug":"que-son-las-cooperativas","status":"publish","type":"page","link":"https:\/\/caribefederal.com\/en\/que-son-las-cooperativas\/","title":{"rendered":"What are Credit Unions?"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"18331\" class=\"elementor elementor-18331\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a4b90d e-flex e-con-boxed e-con e-parent\" data-id=\"5a4b90d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b2867a e-flex e-con-boxed e-con e-parent\" data-id=\"6b2867a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-907772f elementor-widget elementor-widget-heading\" data-id=\"907772f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Although physically like banks, credit unions are very different.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d13fb6 elementor-widget elementor-widget-text-editor\" data-id=\"4d13fb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You may think both offer the same services, but the truth is their focuses differ greatly.<\/p><p>Credit unions are nonprofit entities that distribute their earnings between all shareholders. Our central philosophy is to better the lives of our members by helping them achieve financial stability. We do not seek to sell to you, rather guide you in the process, that eventually will result in you making your own, educated and effective decisions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d855781 e-flex e-con-boxed e-con e-parent\" data-id=\"d855781\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-946021a elementor-widget elementor-widget-heading\" data-id=\"946021a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Credit Unions provide significant benefits to every member<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b894f65 elementor-widget elementor-widget-text-editor\" data-id=\"b894f65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Some of these are low interest rates, low cost charges and fees, and high dividends paid.<\/p><p>Decisions in credit unions are made democratically. Our members choose our board of directors, a group of volunteers determined to work for the best interests of our members. This board hires an executive director, who supervises daily operation of the cooperative as well as the planning of future services.<\/p><p>Your shares in our credit union are guaranteed by our insurance of up to $250,000. Caribe Federal is subject to examination by the federal agency National Credit Union Association. Its objective is to ensure the rightness of management and administration processes in the cooperative.<\/p><p>With your economic participation, you become a member of this institution. You will be an active learner, who has a voice to vote, and who day by day is closer to its financial goal. Learn\nto \u201cspeak differently\u201d like we do in credit unions. All of this is part of what makes us unique.<\/p><p>Be part of our family. Be part of Caribe Federal.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Ofrecemos beneficios significativos Aunque f\u00edsicamente puedan parecer bancos, las cooperativas de ahorro y cr\u00e9dito son muy diferentes a estos. Pueden aparentar que ofrecen los mismos servicios, pero la realidad es que el enfoque detr\u00e1s de estos var\u00eda entre ambas instituciones financieras. Las cooperativas somos entidades sin fines de lucro cuyas ganancias son para ser distribuidas [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-18331","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/caribefederal.com\/en\/wp-json\/wp\/v2\/pages\/18331","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/caribefederal.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/caribefederal.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/caribefederal.com\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/caribefederal.com\/en\/wp-json\/wp\/v2\/comments?post=18331"}],"version-history":[{"count":7,"href":"https:\/\/caribefederal.com\/en\/wp-json\/wp\/v2\/pages\/18331\/revisions"}],"predecessor-version":[{"id":19582,"href":"https:\/\/caribefederal.com\/en\/wp-json\/wp\/v2\/pages\/18331\/revisions\/19582"}],"wp:attachment":[{"href":"https:\/\/caribefederal.com\/en\/wp-json\/wp\/v2\/media?parent=18331"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}