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However, the July Fed meeting brought the federal funds target rate to 5.25 to 5.5 percent — the 11th increase since the beginning of 2022 and a 22-year high.
The National Credit Union Administration is the U.S. independent federal agency that supervises and charters federal credit unions. As of December 31, 2022, there were 4,760 federally insured credit unions in the United States with 135.3 million members.
OCUS headquarters have been in Cincinnati, Ohio (1934-1945), Columbus, Ohio (1945-1998), Dublin, Ohio (1998-2008), and moved back to Columbus, Ohio, in 2008. [citation needed] Under OCUS, the State of Ohio is divided into thirteen chapters, with affiliated credit unions assigned to the chapters based on their geographic location. [citation needed]
Credit unions are subject to most bank regulations and are supervised by the National Credit Union Administration. The Financial Institutions Regulatory and Interest Rate Control Act of 1978 established the Federal Financial Institutions Examination Council (FFIEC) with uniform principles, standards, and report forms for the other agencies. [2]
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2. Overdraft fees. 💵 Typical cost: $26 to $35 per occurrence Overdraft fees happen when you spend more money than you have in your checking account, and the bank covers the difference ...
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