Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). To reduce the risk of default on loans members of the credit union shall the joint guarantee. Membership in the credit union forms responsible citizens and conscientious attitude to their obligations as a norm of behavior, identify the value of a decent man's reputation in the business turnover. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. Today, the World Council of Credit Unions is represented as members four regional confederations and twelve national associations.