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BECU credit union | Banking, Credit Cards, Home & Auto Loans

BECU Credit Union is a member-owned, not-for-profit financial cooperative serving more than 1 million members. Equal Housing Opportunity Lender.

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Finance is a field that is concerned with the allocation (investment) of assets and liabilities over space and time, often under conditions of risk or uncertainty. Finance can also be defined as the art of money management. Participants in the market aim to price assets based on their risk level, fundamental value, and their expected rate of return. Finance can be split into three sub-categories: public finance, corporate finance and personal finance.

A cooperative (also known as co-operative, co-op, or coop) is "an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointly-owned and democratically-controlled enterprise". Cooperatives may include: businesses owned and managed by the people who use their services (a consumer cooperative) organizations managed by the people who work there (worker cooperatives) multi-stakeholder or hybrid cooperatives that share ownership between different stakeholder groups. For example, care cooperatives where ownership is shared between both care-givers and receivers. Stakeholders might also include non-profits or investors. second- and third-tier cooperatives whose members are other cooperatives platform cooperatives that use a cooperatively owned and governed website, mobile app or a protocol to facilitate the sale of goods and services.Research published by the Worldwatch Institute found that in 2012 approximately one billion people in 96 countries had become members of at least one cooperative. The turnover of the largest three hundred cooperatives in the world reached $2.2 trillion.Cooperative businesses are typically more economically resilient than many other forms of enterprise, with twice the number of co-operatives (80%) surviving their first five years compared with other business ownership models (41%). Cooperatives frequently have social goals which they aim to accomplish by investing a proportion of trading profits back into their communities. As an example of this, in 2013, retail co-operatives in the UK invested 6.9% of their pre-tax profits in the communities in which they trade as compared with 2.4% for other rival supermarkets.Since 2002 cooperatives and credit unions could be distinguished on the Internet by use of a .coop domain. Since 2014, following International Cooperative Alliance's introduction of the Cooperative Marque, ICA cooperatives and WOCCU credit unions can also be identified by a coop ethical consumerism label.

A subsidiary, subsidiary company or daughter company is a company that is owned or controlled by another company, which is called the parent company, parent, or holding company. The subsidiary can be a company, corporation, or limited liability company. In some cases it is a government or state-owned enterprise. In some cases, particularly in the music and book publishing industries, subsidiaries are referred to as imprints. In the United States railroad industry, an operating subsidiary is a company that is a subsidiary but operates with its own identity, locomotives and rolling stock. In contrast, a non-operating subsidiary would exist on paper only (i.e., stocks, bonds, articles of incorporation) and would use the identity of the parent company. Subsidiaries are a common feature of business life, and most multinational corporations organize their operations in this way. Examples include holding companies such as Berkshire Hathaway, Jefferies Financial Group, WarnerMedia, or Citigroup; as well as more focused companies such as IBM or Xerox. These, and others, organize their businesses into national and functional subsidiaries, often with multiple levels of subsidiaries.

1 (one, also called unit, unity, and (multiplicative) identity) is a number, and a numerical digit used to represent that number in numerals. It represents a single entity, the unit of counting or measurement. For example, a line segment of unit length is a line segment of length 1. It is also the first of the infinite sequence of natural numbers, followed by 2.

In finance, a loan is the lending of money by one or more individuals, organizations, or other entities to other individuals, organizations etc. The recipient (i.e. the borrower) incurs a debt, and is usually liable to pay interest on that debt until it is repaid, and also to repay the principal amount borrowed. The document evidencing the debt, e.g. a promissory note, will normally specify, among other things, the principal amount of money borrowed, the interest rate the lender is charging, and date of repayment. A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and the borrower. The interest provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent. Acting as a provider of loans is one of the main activities of financial institutions such as banks and credit card companies. For other institutions, issuing of debt contracts such as bonds is a typical source of funding.

BECU is a credit union originally established to serve employees of The Boeing Company. BECU was founded as Fellowship Credit Union in 1935 by 18 Boeing employees, and was named Boeing Employees' Credit Union for much of its history. Its headquarters are located in Tukwila, Washington. As of September 30, 2017, BECU had over $17.5 billion in assets and over 1.06 million members, making it the largest credit union in Washington and fourth largest in the United States. Benson Porter is the current President and CEO.BECU has over 45 locations throughout the Puget Sound region, three locations in Spokane, and two branches in Charleston, South Carolina.Originally, BECU was only open to past and present employees of the Boeing Company, its subsidiaries or affiliates, BECU itself, and the Museum of Flight. In 2002, membership was opened to all Washington state residents and their family members.On November 2, 2017, BECU changed its logo, replacing the 'cursive E' logo that had been used by the organization since the late 1980s, with a sans-serif logo.

Credit (from Latin credit, "(he/she/it) believes") is the trust which allows one party to provide money or resources to another party wherein the second party does not reimburse the first party immediately (thereby generating a debt), but promises either to repay or return those resources (or other materials of equal value) at a later date. In other words, credit is a method of making reciprocity formal, legally enforceable, and extensible to a large group of unrelated people. The resources provided may be financial (e.g. granting a loan), or they may consist of goods or services (e.g. consumer credit). Credit encompasses any form of deferred payment. Credit is extended by a creditor, also known as a lender, to a debtor, also known as a borrower.

Than is a grammatical particle analyzed as both a conjunction and a preposition in the English language. It introduces a comparison and is associated with comparatives and with words such as more, less, and fewer. Typically, it measures the force of an adjective or similar description between two predicates.

The terms equal housing lender and equal opportunity lender are synonymous and refer to all banks insured by the Federal Deposit Insurance Corporation in the United States. Such banks are prohibited from discriminating on the basis of race, color, religion, national origin, sex, handicap, or familial status. They are required, in all advertisements of home loan related services, to explicitly use one of these two terms in describing themselves, or to use one of several approved logos.This rule was introduced in the Fair Housing Amendments Act of 1988 which amended the Fair Housing Act of 1968.

The vertical bar ( | ) is a computer character and glyph with various uses in mathematics, computing, and typography. It has many names, often related to particular meanings: Sheffer stroke (in logic), verti-bar, vbar, stick, vertical line, vertical slash, bar, pike, or pipe, and several variants on these names. It is occasionally considered an allograph of broken bar (see below).

Credit (from Latin credit, "(he/she/it) believes") is the trust which allows one party to provide money or resources to another party wherein the second party does not reimburse the first party immediately (thereby generating a debt), but promises either to repay or return those resources (or other materials of equal value) at a later date. In other words, credit is a method of making reciprocity formal, legally enforceable, and extensible to a large group of unrelated people. The resources provided may be financial (e.g. granting a loan), or they may consist of goods or services (e.g. consumer credit). Credit encompasses any form of deferred payment. Credit is extended by a creditor, also known as a lender, to a debtor, also known as a borrower.

A home, or domicile, is a living space used as a permanent or semi-permanent residence for an individual, family, household or several families in a tribe. It is often a house, apartment, or other building, or alternatively a mobile home, houseboat, yurt or any other portable shelter. A principle of constitutional law in many countries, related to the right to privacy enshrined in article 12 of the Universal Declaration of Human Rights is the inviolability of the home as an individual's place of shelter and refuge. Homes typically provide areas and facilities for sleeping, preparing food, eating and hygiene. Larger groups may live in a nursing home, children's home, convent or any similar institution. A homestead also includes agricultural land and facilities for domesticated animals. Where more secure dwellings are not available, people may live in the informal and sometimes illegal shacks found in slums and shanty towns. More generally, "home" may be considered to be a geographic area, such as a town, village, suburb, city, or country.


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