The main advantage of credit unions consists in transparency, controllability, governance for shareholders. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.). 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.