Credit union promotes the effective conservation of personal funds of its members, giving them the loans from the funds of the credit union, as well as the sharing of savings in education, housing, health care and other programs of social support and social development of its members. At the organization of the credit union it is important that people know each other and know the extent to which each of them is trustworthy. Credit union services are available only to its shareholders. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine.