Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. 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. Unlike banks credit unions limit their activities to a closed circle of people. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks.