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A credit union is an organization of people who have some common bonds, such as a common place of employment, organized for the purpose of promoting thrift through convenient saving methods and of providing a helping financial hand to fellow workers who need a ready source for borrowing funds at a reasonable rate. Credit union facilities within Indiana University are operated for all staff and faculty employees of the university. The university will handle payroll deductions for convenient credit union savings or for the repayment of credit union loans.