Typically, donor contributions to the credit unions are targeted and used in the same statutory requirements and restrictions as the Mutual Financial Aid fund as a whole. 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. 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. The value of credit unions is not limited to the role of the economic agent - they are an important element of the social structure and a factor of social stability and progress. The right to use the services of the credit union have only its members. Credit union as a consumer cooperative operates on the principles of equality of all its members.