Membership in the credit union is voluntary and is open to all citizens bound by with joint work or residence, who wished to create a credit union to use its services and are willing to take on relevant commitments and responsibilities. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. At the organization of the credit union it is important that people know each other and know the extent to which each of them is trustworthy. Income derived from the provision of services to its members, does not become the profit of credit union and is distributed among its members in proportion to their savings. Important specifics of creating a credit union - an initiative order of organization: people do not receive any instructions, orders or regulations, the unification into a credit union occurs by their will and decision. Today, the World Council of Credit Unions is represented as members four regional confederations and twelve national associations.