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. 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. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions.