In recent decades, many credit unions began to resort to such form of service as The economic basis of credit unions - finances of a household. The main objective of the credit union - to ensure financial stability of a household, to ensure the priority of their shareholders' financial interests. Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions.