Fund of Mutual Financial Aid of the credit union can be extended by sponsorship contributions from businesses, organizations, including on a returnable basis. Activity of the credit union consists of organizing mutual financial assistance by meeting the needs of its members in the services of saving and obtaining loans. Credit union promotes the effective conservation of personal funds of its members, giving them the loans from the funds of the credit union, as well as the sharing of savings in education, housing, health care and other programs of social support and social development of its members. Cooperation between credit unions, how they would not have been named, took place always, from the moment when the movement moved outside one credit union. To reduce the risk of default on loans members of the credit union shall the joint guarantee. 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. The relationship of shareholders with credit union are not client-based, they are co-operative, based on different principles and standards, in particular, on the principles of the law of obligations. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.). U.S. credit unions have another significant difference from the credit cooperatives of farmers: the first have major proportion of short-term loans, the second - long and mostly in real estate.