Membership in the credit cooperative federal credit union

Procedure for admission to the credit cooperative.
Credit cooperative members can be considered its charter individuals who have attained the age of sixteen vozracta, and (or) legal entities federal credit union  .

Members of the cooperative credit institutions may not be funded wholly or in part from the federal budget, regional budgets and local budgets.

Application for admission to membership in the cooperative credit is made in writing to the board of the cooperative credit. The application must contain the applicant's obligation to comply with the statute and credit cooperative in solidarity with members of the credit cooperative, held jointly liable for the obligations of credit cooperative within the unpaid part of the additional contribution of each member of the credit cooperative.

Credit cooperative member with a document certifying his membership in a credit cooperative. The form and content of such a document specified in the charter of credit cooperatives.

The rights and duties of the credit cooperative.
Credit cooperative member is entitled to:
- To obtain loans under the conditions provided the documents governing the order of their presentation;
- Receive charges on equity contributions in the manner and to the extent defined the regulation on credit cooperative;
- To participate in the general meeting of the credit cooperative;
- To convene a general meeting of the credit cooperative in the manner specified in paragraph 3 of Article 14 hereof;
- To elect and be elected to the credit cooperative;
- Get a cash loan value of the share of the property of the cooperative, the corresponding share of its share contribution in the amount of shares of the credit cooperative in the event of termination of membership in the credit cooperative;
- To receive information from the bodies of the cooperative credit on its activities;
- Exercise other rights of membership in the credit cooperative and provided by federal law, the Charter and credit cooperative documents governing its activities.
Credit cooperative member must:
- Comply with the statute and credit cooperative implement the decisions of the credit cooperative;
- Timely pay equity contributions and additional contributions during the three months after the approval of the annual accounts of credit cooperatives;
- Jointly held jointly liable for the obligations of credit cooperative within the unpaid part of the additional fee;
- Timely return received from the credit cooperative loans;
- To carry out other duties associated with membership in a credit cooperative and provided by federal law, the statute governing the credit cooperative and its activities Document federal credit union .
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If a Member fails credit cooperative credit cooperative duties by the general meeting of the credit co-operative may reduce or stop providing loans to demand early repayment of the loan, including those used for other purposes of the target loan, excluding members of the credit cooperative.

Termination of membership in a credit cooperative.
Membership in the credit cooperative terminated if:
- Out of the credit cooperative;
- The decision to liquidate a legal person - a member of the credit cooperative;
- Exclusion of the members of the credit cooperative;
- The death of a credit cooperative - a natural person.
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Exit the credit cooperative in the procedure stipulated by the Charter of credit cooperatives.

Board's decision to exclude credit cooperative member of the credit cooperative is subject to approval by the general meeting of the credit cooperative
The decision to exclude a member of a credit cooperative can be appealed in court.

Upon termination of membership in the credit cooperative member of the credit cooperative paid monetary value of the share of property credit cooperative, the corresponding share of share contribution to the credit cooperative in the amount of shares of the credit cooperative. The monetary value of the share of the property is determined by the credit cooperative, according to the financial statements for the previous termination of membership in the credit cooperative last reporting period. Payment of the monetary value of a share of property credit cooperative carried out not later than two months after the filing date of withdrawal from the credit cooperative, or a decision to exclude a member of a credit cooperative.

In the case of the death of a credit cooperative - an individual to his heirs, if they are not members of the credit cooperative and do not want or can not become them, paid the cash value of the property share credit cooperative, the corresponding share of share contribution of the deceased member of the cooperative credit in the amount of shares for members Credit Cooperative federal credit union  .