Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. Like the credit cooperatives, credit unions form associations of a higher level, which are called corporate credit unions. Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions. A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union.