Credit unions are an integral financial institution because they act as financial intermediaries who lend and borrow money for financial market participants who could not otherwise gain access to or save a substantial amount of funds. A credit unions liabilities and equity are the sources of funds they bring in, while their assets are their uses of the funds.

Which of the following are ways that credit unions obtain funds? Check all that apply.

They borrow funds from the Central Liquidity Facility.

They offer money market deposit accounts to depositors.

They maintain capital through their retained earnings.

They offer negotiable order of withdrawal accounts to depositors.