Fund of Mutual Financial Aid of the credit union can be extended by sponsorship contributions from businesses, organizations, including on a returnable basis. In recent decades, many credit unions began to resort to such form of service as Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. All the members of the credit union, regardless of gender, ethnicity, religious and political beliefs, as well as the size of the monetary share have equal rights. To reduce the risk of default on loans members of the credit union shall the joint guarantee. 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. International cooperation has been particularly felt since the days when Alphonse Desjardins began the activity on development of credit union movement in North America. The right to use the services of the credit union have only its members. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks. Corporate alliances are intermediaries between credit unions and financial markets.