Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). Activity of the credit union consists of organizing mutual financial assistance by meeting the needs of its members in the services of saving and obtaining loans. Credit unions also differ from the traditional consumer cooperatives. 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.