Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. 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. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. Membership in the credit union forms responsible citizens and conscientious attitude to their obligations as a norm of behavior, identify the value of a decent man's reputation in the business turnover.