Membership in the credit union is voluntary and is open to all citizens bound by with joint work or residence, who wished to create a credit union to use its services and are willing to take on relevant commitments and responsibilities. Most modern credit unions represent specialized consumer cooperatives of citizens associated by the principle of social community: place of work, place of residence, profession, or any other shared interest. In recent decades, many credit unions began to resort to such form of service as Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.).