To date, credit unions - virtually the only form of financial institution where people can quickly and without any problems get a relatively inexpensive cash loan. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine. The right to use the services of the credit union have only its members. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.). Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions.