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 First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union.