Credit unions encourage savings of citizens, setting compensation payments (interest) on savings and provide from these savings loans to their members. Income derived from the provision of services to its members, does not become the profit of credit union and is distributed among its members in proportion to their savings. Credit unions of the open type are still controlled by their members, but at the same time provide services to people who are not its members (external customers). International cooperation has been particularly felt since the days when Alphonse Desjardins began the activity on development of credit union movement in North America. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members.