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As of 1125 we are now known as Valley Communities Credit Union Save with Borrow from Why Choose a Credit Union. A credit union is a memberowned nonprofit cooperative financial institution formed to permit those in the field of membership specified in its charter to pool their savings lend them to one another and own the organization where they save borrow and obtain related financial services. Members are united by a common bond and democratically operate the credit union under state and federal regulation. Why Choose Nekoosa Credit Union.