A credit union is a member-owned financial cooperative, democratically controlled by its members, and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members.

North Carolina is a state in the southeastern region of the United States.

The state borders South Carolina and Georgia to the south, Tennessee to the west, Virginia to the north, and the Atlantic Ocean to the east.

North Carolina is the 28th most extensive and the 9th most populous of the U.S. states.

The state is divided into 100 counties.

The capital is Raleigh.

The most populous municipality is Charlotte, which is the second largest banking center in the United States after New York City.

A consumer is a person or organization that uses economic services or commodities.

In economic systems consumers are utilities expressed in the decision to trade or not.

A business (also known as an enterprise, a company or a firm) is an organizational entity involved in the provision of goods and services to consumers.

Businesses serve as a form of economic activity, and are prevalent in capitalist economies, where most of them are privately owned and provide goods and services allocated through a market to consumers and customers in exchange for other goods, services, money, or other forms of exchange that hold intrinsic economic value.

Businesses may also be social non-profit enterprises or state-owned public enterprises operated by governments with specific social and economic objectives.

A business owned by multiple private individuals may form as an incorporated company or jointly organise as a partnership.

Countries have different laws that may ascribe different rights to the various business entities.