Credit union services are available only to its shareholders. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.). Credit unions historically formed as a special form of social support, initially taken upon themselves the social mission of protecting the interests of citizens in the field of financial services. Credit union as a consumer cooperative operates on the principles of equality of all its members.