Credit unions use their access earnings to ?

As not-for-profit cooperative institutions, credit unions use excess earnings to offer members more affordable loans, a higher return on savings, lower fees, or new products and services. They serve members from all walks of life, including the poor and disenfranchised.

Explanation:

let me know if this is wrong

abraham lincoln was the president of usa and he had asked the audience to make a pledge on equality.

his pledge was:

“it is my earnest desire to know the will of the providence.”

lincoln also had hatred for people who condoned and practiced slavery and so he pledged:

""and if i can learnt what it is i can do it"" this is another pledge by abraham to reassure the congregation on how to deal with the providence will.

explanation:

hope this !

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