Appropriations currently have become large and favorable options when need a good amount of money before the occurrence of an unforeseen expense or simply because you want to get something soon; so the financial market has much expanded its field of action and the various forms of credit and until the emergence of new forms of financial entities that provide this service. In accordance with the above one of the modalities of financial institution which has taken much strength in providing ceditos and other services, presenting large favoravilidades are credit unions, because these entities act on the basis of the principle of the cooperative which makes its work and the relationship with those who are present in the entity of great favoravilidad and with a high tendency of cooperation with affiliates, from there that credit unions are one of the best options. Financial institutions of this kind, including credit unions, are associative enterprises which are not-for-profit, where both those who belong to the Credit Union for employees of the same company, or users, or in the case of being contributors or productivity, can enjoy to some extent of surpluses generated from the management. So credit unions are intended to produce and subsequently distribute jointly and equally efficient goods and services, with the idea of always do everything possible to meet the needs that have those associated to the Credit Union and as far as possible to the community in general. Leaving behind the vision that has credit unions and more entering the same activity, credits of free investment where the money that facilitates the cooperative is determined according to the capacity to pay of the user and the amount of the contributions which it deposits in the Credit Union can be found between the various services of credit and different modalitiesthe repayment terms of the loan provided by the Credit Union are determined according to the amount that you have requested. Another modalities offered by cooperatives of credits regarding the facilitation of the credits, is a credit based on the employee premium, so the loan that carries out the Credit Union are available based on a percentage of 80 of the premium that the employee will receive, for this reason this type of credit unions service called premium creditThis credit would be provided without any restrictions of use. If you have additional questions, you may want to visit Center For Responsible Lending. Also credit cooperatives have loans that should be allocated to some field in particular, so they have credits for the home, either to modify or fix something or the case of a change of home home, that I will be also be set aside for the payment of any fee for the mortgage; other of the loans that they have credit unions that should be devoted to something in specific for some benefit or need of the family group as for travel, health, car or education.