Question: MEMBERSHIP IN CREDIT UNIONS Credit unions in Massachusetts have grown remarkably in recent years. Their taxexempt status allows them to offer deposit and loan rates that are often more favorable than those offered by banks. The membership in Massachusetts credit unions grew at the rate of
R(t) = -0.0039t2 + 0.0374t + 0.0046 (0 ≤ t ≤ 9)
Million members/year between 1994 (t = 0) and 2003 (t = 9). Find the average rate of growth of membership in Massachusetts credit unions over the period in question.