Fund of Mutual Financial Aid of the credit union can be extended by sponsorship contributions from businesses, organizations, including on a returnable basis. 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. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Corporate alliances are intermediaries between credit unions and financial markets.