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. In recent decades, many credit unions began to resort to such form of service as In the credit union compensation for use of the loan (interest) is a source of compensation for savings. Credit cooperatives and credit unions exist in many different forms. The main differences relate to the nature of the membership and the opening of a credit institution. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions.