{"id":5550,"date":"2025-02-24T10:00:00","date_gmt":"2025-02-24T15:00:00","guid":{"rendered":"https:\/\/www.patriotfcu.org\/?p=5550"},"modified":"2025-05-15T09:35:12","modified_gmt":"2025-05-15T13:35:12","slug":"un-impuesto-a-las-cooperativas-de-credito-es-un-impuesto-a-mi-por-que-son-importantes-las-cooperativas-de-credito-y-como-puedes-actuar-al-respecto","status":"publish","type":"post","link":"https:\/\/www.patriotfcu.org\/es\/blog\/a-tax-on-credit-unions-is-a-tax-on-me-why-credit-unions-matter-and-how-you-can-take-action\/","title":{"rendered":"Un impuesto a las cooperativas de cr\u00e9dito es un impuesto a m\u00ed: por qu\u00e9 son importantes y c\u00f3mo puedes actuar"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__blog-post-hero\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<header class=\"single_post--header co-post_hero light co-page_hero__has_image\" aria-label=\"Encabezado de la publicaci\u00f3n:Un impuesto a las cooperativas de cr\u00e9dito es un impuesto a m\u00ed: por qu\u00e9 son importantes las cooperativas de cr\u00e9dito y c\u00f3mo puedes tomar medidas\">\n\t\t<h1 class=\"single_post--title\">Un impuesto a las cooperativas de cr\u00e9dito es un impuesto a m\u00ed: por qu\u00e9 son importantes y c\u00f3mo puedes actuar<\/h1>\n\t\t<p class=\"single_post--category\"><a href=\"https:\/\/www.patriotfcu.org\/es\/blog\/category\/personal-finance\/\" rel=\"category tag\">Finanzas personales<\/a><\/p>\n\t\t<p class=\"single_post--date\">24 de febrero de 2025<\/p>\n\t\t<div class=\"single_post--social-share\">Compartir en<div class=\"co-social_share a2a_kit a2a_default_style\">\n\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/a-tax-on-credit-unions-is-a-tax-on-me-why-credit-unions-matter-and-how-you-can-take-action\/\"\n\t\t\tdata-sharetitle=\"A Tax on Credit Unions is a Tax on Me: Why Credit Unions Matter and How You Can Take Action\"\n\t\t\tdata-shareservice=\"facebook\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.738\" height=\"32.746\" viewbox=\"0 0 17.738 32.746\">\n  <path id=\"Path_690\" data-name=\"Path 690\" d=\"M89.242,351.968H83.868c-.59,0-1.269.715-1.269,1.787V356.4h6.648v6.648H82.6v15.013h-6.21V363.049h-4.88V356.4h4.88v-2.59c0-4.469,3.355-8.494,7.479-8.494h5.374Z\" transform=\"translate(-71.509 -345.317)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/a-tax-on-credit-unions-is-a-tax-on-me-why-credit-unions-matter-and-how-you-can-take-action\/\"\n\t\t\tdata-sharetitle=\"A Tax on Credit Unions is a Tax on Me: Why Credit Unions Matter and How You Can Take Action\"\n\t\t\tdata-shareservice=\"linkedin\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29.324\" height=\"29.282\" viewbox=\"0 0 29.324 29.282\">\n  <path id=\"Path_689\" data-name=\"Path 689\" d=\"M496.424,377.52h-6.047V358h6.047Zm-3.048-22.078a3.6,3.6,0,1,1,3.571-3.632v.032a3.587,3.587,0,0,1-3.571,3.6m25.692,22.078h-6.012V367.272c0-2.81-1.069-4.379-3.29-4.379-2.421,0-3.681,1.635-3.681,4.379v10.248h-5.8V358h5.8v2.629a6.8,6.8,0,0,1,5.879-3.225c4.141,0,7.1,2.528,7.1,7.756Z\" transform=\"translate(-489.743 -348.239)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t<\/div><\/div>\n\t\t\t\t<div class=\"single_post--img_wrap\">\n\t\t\t<div class=\"single_post--img_wrap\"><img loading=\"lazy\" decoding=\"async\" width=\"1100\" height=\"721\" src=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Dont-tax-my-CU.gif\" class=\"attachment-full size-full\" alt=\"Recibir ayuda en una cooperativa de cr\u00e9dito\" \/><\/div>\t\t<\/div>\n\t\t<p class=\"single_post--summary\">\n\t\t\tComo miembro de Patriot Federal Credit Union, usted conoce el valor de ser parte de una instituci\u00f3n financiera propiedad de sus miembros. Pero \u00bfsab\u00eda que existe una creciente presi\u00f3n para imponer impuestos a las cooperativas de cr\u00e9dito? Esto afectar\u00eda no solo a las instituciones financieras en s\u00ed, sino tambi\u00e9n a usted, el miembro. Es importante entender por qu\u00e9 las cooperativas de cr\u00e9dito son diferentes de los bancos tradicionales, por qu\u00e9 son necesarias y c\u00f3mo puede ayudar a protegerlas.\t\t<\/p>\n\t<\/header><!-- .entry_header -->\n\t\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__long-form-text\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-start justify-center\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content\"><h2><strong>Cooperativas de cr\u00e9dito vs. bancos: \u00bfcu\u00e1l es la diferencia?<\/strong><\/h2>\n<p>A primera vista, las cooperativas de cr\u00e9dito y los bancos pueden parecer similares. Ambos ofrecen cuentas de ahorro, pr\u00e9stamos y otros productos financieros. Sin embargo, la diferencia clave radica en su estructura y su prop\u00f3sito.<\/p>\n<ul>\n<li><strong>Propiedad<\/strong>:Las cooperativas de cr\u00e9dito son propiedad de sus miembros, lo que significa que cada titular de una cuenta es copropietario de la instituci\u00f3n. Por el contrario, los bancos son instituciones con fines de lucro que son propiedad de los accionistas.<\/li>\n<li><strong>Objetivo<\/strong>:El objetivo principal de una cooperativa de cr\u00e9dito es servir a sus miembros, no generar ganancias para los accionistas. Las ganancias se devuelven a los miembros en forma de comisiones m\u00e1s bajas, mejores tasas de dividendos y mejores servicios. Por otro lado, los bancos existen para generar ganancias para sus accionistas, a menudo a expensas de los clientes con comisiones y tasas de inter\u00e9s elevadas.<\/li>\n<li><strong>Tipo de organizaci\u00f3n<\/strong>:Las cooperativas de cr\u00e9dito funcionan como entidades sin fines de lucro, lo que constituye una de las principales razones por las que pueden ofrecer estos beneficios favorables para sus miembros. Los bancos, como entidades con fines de lucro, deben generar un rendimiento para sus inversores, lo que a menudo implica cobrar comisiones m\u00e1s altas y ofrecer tasas m\u00e1s bajas para los dep\u00f3sitos y m\u00e1s altas para los pr\u00e9stamos.<\/li>\n<\/ul>\n<h2><strong>\u00bfPor qu\u00e9 son necesarias las cooperativas de cr\u00e9dito?<\/strong><\/h2>\n<p>Las cooperativas de cr\u00e9dito brindan servicios esenciales de los que dependen muchas personas, especialmente aquellas que no tienen acceso a la banca tradicional. A continuaci\u00f3n, se indican algunas razones por las que las cooperativas de cr\u00e9dito son tan importantes:<\/p>\n<ul>\n<li><strong>Mejores tarifas y comisiones m\u00e1s bajas<\/strong>:Como las cooperativas de cr\u00e9dito no tienen fines de lucro, pueden ofrecer tasas de dividendos m\u00e1s altas sobre los ahorros y tasas de inter\u00e9s m\u00e1s bajas sobre los pr\u00e9stamos. Tambi\u00e9n tienden a cobrar menos comisiones y comisiones m\u00e1s bajas en comparaci\u00f3n con los bancos.<\/li>\n<li><strong>Enfoque comunitario<\/strong>:Las cooperativas de cr\u00e9dito est\u00e1n profundamente arraigadas en las comunidades a las que prestan servicios. Las ganancias se reinvierten en la comunidad y en los miembros, en lugar de enviarse a accionistas distantes. Apoyan a las empresas locales, ayudan a los miembros a generar seguridad financiera y contribuyen al bienestar econ\u00f3mico de las \u00e1reas a las que prestan servicios.<\/li>\n<li><strong>Acceso a productos financieros<\/strong>:Las cooperativas de cr\u00e9dito suelen ofrecer productos financieros m\u00e1s asequibles a las poblaciones desatendidas, lo que hace que los servicios bancarios sean accesibles para todos. Ya sea que ofrezcan pr\u00e9stamos peque\u00f1os, cuentas corrientes de bajo costo o ayuden a las personas con problemas crediticios, las cooperativas de cr\u00e9dito desempe\u00f1an un papel vital en la inclusi\u00f3n financiera.<\/li>\n<\/ul>\n<h2><strong>\u00bfQu\u00e9 est\u00e1 en juego? El posible impuesto a las cooperativas de cr\u00e9dito<\/strong><\/h2>\n<p>Una propuesta para gravar a las cooperativas de cr\u00e9dito revertir\u00eda todo lo que las hace especiales. Gravarlas las obligar\u00eda a aumentar las comisiones, reducir las tasas de dividendos sobre los ahorros y aumentar las tasas de los pr\u00e9stamos, lo que dificultar\u00eda a los miembros el acceso a servicios financieros asequibles.<\/p>\n<p>Este impuesto propuesto no s\u00f3lo afectar\u00eda a las cooperativas de cr\u00e9dito, sino tambi\u00e9n a sus miembros, personas como usted, que dependen de ellas para acceder a servicios bancarios asequibles. Al gravar a las cooperativas de cr\u00e9dito, los legisladores estar\u00edan imponiendo una carga financiera a las mismas personas que m\u00e1s se benefician de su condici\u00f3n de entidades sin fines de lucro.<\/p>\n<h2><strong>C\u00f3mo puedes tomar medidas<\/strong><\/h2>\n<p>Es hora de que los miembros de las cooperativas de cr\u00e9dito se pongan de pie y protejan los beneficios de los que dependen. A continuaci\u00f3n, le indicamos c\u00f3mo puede actuar:<\/p>\n<ol>\n<li><strong>Mantente informado<\/strong>Mant\u00e9ngase actualizado sobre las \u00faltimas noticias acerca del impuesto propuesto a las cooperativas de cr\u00e9dito. Al comprender lo que est\u00e1 en juego, puede tomar decisiones informadas y mantenerse involucrado en la conversaci\u00f3n.<\/li>\n<li><strong>Contacte a sus legisladores<\/strong>: Comun\u00edquese con sus representantes locales y d\u00edgales que un impuesto a las cooperativas de cr\u00e9dito es un impuesto a usted. Comparta su historia personal sobre c\u00f3mo su cooperativa de cr\u00e9dito lo ayuda a ahorrar dinero, obtener mejores tasas y le ofrece los servicios que necesita. Su voz importa.<\/li>\n<li><strong>Difundir la palabra<\/strong>:Comparta la importancia de las cooperativas de cr\u00e9dito con sus amigos, familiares y redes sociales. Cuantas m\u00e1s personas comprendan el valor de las cooperativas de cr\u00e9dito, m\u00e1s fuerte ser\u00e1 la voz de la comunidad en contra de los impuestos perjudiciales.<\/li>\n<li><strong>Apoye a su cooperativa de cr\u00e9dito<\/strong>:Siga siendo un miembro activo de su cooperativa de cr\u00e9dito. Cuanto m\u00e1s s\u00f3lida y comprometida sea la base de miembros, mejor podr\u00e1n defenderse las cooperativas de cr\u00e9dito frente a las amenazas legislativas.<\/li>\n<\/ol>\n<h2><strong>Vale la pena proteger las cooperativas de cr\u00e9dito<\/strong><\/h2>\n<p>Un impuesto a las cooperativas de cr\u00e9dito no es s\u00f3lo un impuesto a la instituci\u00f3n, sino tambi\u00e9n a usted. Pone en peligro los beneficios que hacen de las cooperativas de cr\u00e9dito una alternativa asequible y centrada en la comunidad a los bancos con fines de lucro. Las cooperativas de cr\u00e9dito ofrecen mejores tasas, comisiones m\u00e1s bajas y el compromiso de ayudar a sus miembros a tener \u00e9xito.<\/p>\n<p>Su participaci\u00f3n puede marcar la diferencia. Tome medidas hoy para proteger a las cooperativas de cr\u00e9dito y seguir disfrutando de los beneficios financieros que ofrecen. En Patriot Federal Credit Union, estamos aqu\u00ed para servirle y, juntos, podemos asegurarnos de que la diferencia de las cooperativas de cr\u00e9dito siga siendo s\u00f3lida en los pr\u00f3ximos a\u00f1os.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__single-path-cta\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-sp_cta\">\n\t\t\t<header class=\"co-intro_text\">\n\t\t<h2 class=\"co-intro_text--title\">No graven mi cooperativa de cr\u00e9dito\n\t\t\t\t<svg class=\"heading_shape\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"238.55799865722656\" height=\"14.876999855041504\" viewbox=\"0 0 238.558 14.877\">\n\t\t\t\t\t<path id=\"Path_16614\" data-name=\"Path 16614\" d=\"M5118.863,2995.027c15.19-6.542,69.982-8.38,118.5-2.822s90.372,10.077,113.638,2.822\" transform=\"translate(-5115.578 -2986.393)\" fill=\"none\" stroke=\"#ce1126\" stroke-linecap=\"round\" stroke-width=\"5\" class=\"title-shape\"><\/path>\n\t\t\t\t<\/svg>\n\t\t\t<\/h2><div class=\"co-intro_text--intro\"><p>Env\u00ede un mensaje ahora a su representante y senadores de EE. UU. y d\u00edgales que se opongan a cualquier esfuerzo por agregar un impuesto a las cooperativas de cr\u00e9dito.<\/p>\n<\/div>\t<\/header>\n<a class=\"co-sp_cta--button\" href=\"https:\/\/www.patriotfcu.org\/es\/speed-bump\/?url=https%3A%2F%2Fwww.donttaxmycreditunion.org%2F%23take-action&#038;prev=https%3A%2F%2Fwww.patriotfcu.org%2Fes%2Fblog%2Fa-tax-on-credit-unions-is-a-tax-on-me-why-credit-unions-matter-and-how-you-can-take-action%2F\"  >\u00a1Tomar medidas!<\/a>\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__disclosures\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Divulgaciones<\/h2>\n\t\t<div class=\"co-disclosures--content\">\n\t\t\t\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<svg\n\t\tclass=\"co-disclosures--icon svg-ncua\"\n\t\tviewbox=\"0 0 110 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Cr\u00e9dito.<\/p>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<svg\n\t\tclass=\"co-disclosures--icon svg-equalHouseLender\"\n\t\tviewbox=\"0 0 46 48\"\n\t\twidth=\"46\"\n\t\theight=\"48\"\n\t>\n\t\t<title>Prestamista de casa igual<\/title>\n\t\t\n    <path fill=\"#022164\" d=\"M23.26 0 0 13.24V18h3.56v16.47h38.81V18H46v-4.63zM37.9 30.28H8.29V13.77L23.26 5l14.64 8.77z\"\/>\n    <path fill=\"#022164\" d=\"M15.3 15.99h15.48v4.06H15.3zm0 6.05h15.48v4.06H15.3zM26.45 41.9h-2.72v5.18h2.66c2.13 0 3.37-.46 3.37-2.49s-1.37-2.69-3.31-2.69zm-.13 4.1h-1.17v-3h1.3a1.59 1.59 0 0 1 1.75 1.57c0 1.2-.78 1.43-1.88 1.43zm17.38-2.46c0-1.18-.59-1.64-2-1.64h-3.77v5.18h1.43v-2.16h1.36l1.49 2.16h1.55l-1.49-2.16c.97-.13 1.43-.53 1.43-1.38zm-2.28.27h-2.07V43h2.14c.58 0 .84.07.84.4s-.19.41-.91.41zm-21.16 1.31-2.72-3.21h-1.62v5.17h1.36v-3.14L20 47.08h1.62v-5.17h-1.36v3.21zM3.99 41.91H2.56v5.17h5.12v-1.11l-3.69-.07v-3.99zm5.15 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