The main advantage of credit unions consists in transparency, controllability, governance for shareholders. Over 30% of the assets of credit unions are investments in government securities, certificates of deposit of banks and savings loan associations, as well as in the parent credit unions, and other risk-free investments. 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. In the credit union compensation for use of the loan (interest) is a source of compensation for savings.