Borrowing rate for the credit union is a source of income to cover the administrative costs. All excess funds are returned to members in the form of dividends on savings. Specialization of credit unions to provide financial services to its shareholders requires a particularly strict regulation of membership and acceptable activities. Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. To reduce the risk of default on loans members of the credit union shall the joint guarantee. Shareholders in corporate organizations are basic credit unions, besides the same union can be a shareholder of several corporate organizations.