Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. Credit unions perform the function of social protection in a vital for people sphere of financial services. They care about improving the financial literacy of the population, are working on the formation of their members and their employees. Contributions from of shareholders in credit unions in no way can be considered as borrowed funds, they come from the shareholders and for the shareholders and can not be used to provide services to third parties. Unlike banks credit unions limit their activities to a closed circle of people.