Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. National Credit Union Insurance Fund was created by Congress in 1970 to insure deposits of credit union members in the amount of 100 thousand dollars. Over 30% of the assets of credit unions are investments in government securities, certificates of deposit of banks and savings loan associations, as well as in the parent credit unions, and other risk-free investments. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. The right to use the services of the credit union have only its members. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions.