Affiliate Disclosure

Cooperatives.com is free to use. Some of the links on this site, particularly on our insurance and formation guides and our credit-union pages, are affiliate or partner links. If you click one and go on to buy a product, open an account or request a quote, we may earn a commission. It costs you nothing extra; the price you pay is the same as going to the provider directly.

We label these links as partner links, mark them as sponsored, and route them through our /go/ redirect so we can keep track of them in one place. They always sit outside our listings and data: individual cooperative and credit-union listings, our encyclopedia, statistics and tools carry no affiliate links.

What this does not change

• Our coverage. Which providers, software, or insurers we describe — and what we say about them — is an editorial decision. A commercial relationship never buys a mention, a ranking, or a kinder write-up.
• Our directory and data. Cooperative listings, sector data, and statistics are compiled from public and official sources. They are never pay-to-play and are never affected by any affiliate arrangement.
• Your cost. Using a partner link never raises your price. Where a link is not part of a paid programme, it simply takes you to the provider's own page.

A note on formation services

Business-formation services file a legal entity (usually an LLC or corporation). In most jurisdictions there is no separate “cooperative” filing, so the cooperative character of your organisation comes from your bylaws and operating agreement — not from the filing service. Always confirm your local cooperative statute first; see Cooperative Laws by Country. Nothing on this site is legal, financial, or insurance advice.

Questions

If you want to know whether a specific link is an affiliate link, or how we choose the providers we mention, please get in touch — and see our editorial standards.