In recent decades, many credit unions began to resort to such form of service as Income received by the credit union shall be distributed among the shareholders or spent for the depreciation of services, that is, are the most effective means of meeting the needs of shareholders. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. 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. All the members of the credit union, regardless of gender, ethnicity, religious and political beliefs, as well as the size of the monetary share have equal rights. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others.