To get a loan in the credit union a shareholder must be not only a formally adopted there, but necessary pay in cash contributions, the amount and order of payment of which approved by the General Assembly and fixed by the charter. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. National Credit Union Insurance Fund was created by Congress in 1970 to insure deposits of credit union members in the amount of 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.