The uniqueness of credit unions is that they put together the principles and benefits of financial cooperatives, consumer cooperatives and mutual aid funds, born once by trade unions. Credit union services are available only to its shareholders. To reduce the risk of default on loans members of the credit union shall the joint guarantee. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars The main activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type.