Fund of Mutual Financial Aid of the credit union can be extended by sponsorship contributions from businesses, organizations, including on a returnable basis. Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. At the organization of the credit union it is important that people know each other and know the extent to which each of them is trustworthy. To reduce the risk of default on loans members of the credit union shall the joint guarantee. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members.