How does a credit union work?

Question by i messed up: How does a credit union work?
I went to go buy a car today but the interest rates were ridiculous. My mom told me that i can get no higher than an 8% interest rate if i financed the car through the credit union with the store that i work at. She did the same thing for her car and the credit union financed the car at a 6.5% interest rate which when compared to 25% is not that bad. Are there certain requirements i have to meet before i can get this benefit?


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