There are two kinds of credit union guarantees, one is general guarantee and the other is joint liability guarantee. Under normal circumstances, credit cooperatives adopt joint and several liability guarantee, and the guarantee period is generally within two years after the expiration of the agreement. If there is no agreement, you can refer to Article 25 of the Guarantee Law: If the guarantee contract stipulates that the guarantor shall bear the guarantee responsibility until the principal and interest of the principal debt are paid off, it shall be regarded as outstanding, and the guarantee period shall be two years from the date of the expiration of the principal debt.