Like any financial institution, credit unions have the financial resources. In recent decades, many credit unions began to resort to such form of service as Like the credit cooperatives, credit unions form associations of a higher level, which are called corporate credit unions. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. 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. Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. To reduce the risk of default on loans members of the credit union shall the joint guarantee. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others.