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. Borrowing rate for the credit union is a source of income to cover the administrative costs. All excess funds are returned to members in the form of dividends on savings. The number of shareholders of a credit union is limited and formalized by a list. Limit of the number is defined by the assembly and such assembly establishes the charter. The difference between credit unions and banks is clearly is apparent when comparing the structure of assets and liabilities of credit unions and banks. International cooperation has been particularly felt since the days when Alphonse Desjardins began the activity on development of credit union movement in North America. 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.