A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union. 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 - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members. To increase the number of credit unions in 1979 was adopted the corresponding law that serves as the legal basis of their activity. Unlike banks credit unions limit their activities to a closed circle of people. Credit union as a consumer cooperative operates on the principles of equality of all its members.