What is the purpose of the Credit Union I see at Walmart?

Everytime I go to Walmart, there is a huge line outside the Golden One Credit Union inside the store. What are those people waiting in line for? Are they there to take out a loan so they can buy groceries? Or are they trying to cash their paychecks? Are there really that many underprivileged people [...] http://bit.ly/oQhOaF