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Well generally you have to belong to some sort of affiliation, employer, etc to join a Credit Union. However with that said, The Charlotte Metro Credit Union, cmcu.org is quite excellent. The only requirement for joining is that you work, live, or go to school in Mecklenburg. You would want to check to see if your place of employment makes other credit unions available.
^^^ And you have to be subjected to their horrible TV commercials.
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