Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. To reduce the risk of default on loans members of the credit union shall the joint guarantee. Credit unions historically formed as a special form of social support, initially taken upon themselves the social mission of protecting the interests of citizens in the field of financial services.