Credit union services are available only to its shareholders. Members of credit unions place in credit unions usually free fund balances, ie those that remain after expenses devoted to education of children, the acquisition of new properties, additional pension benefits, etc. Share contributions are transferred to the credit union on the basis of membership for the whole stay of a shareholder as member of the credit union and are the basis of membership. To reduce the risk of default on loans members of the credit union shall the joint guarantee. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. Corporate alliances are intermediaries between credit unions and financial markets.