To get a loan in the credit union a shareholder must be not only a formally adopted there, but necessary pay in cash contributions, the amount and order of payment of which approved by the General Assembly and fixed by the charter. 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. Like the credit cooperatives, credit unions form associations of a higher level, which are called corporate credit unions. In the U.S. credit unions timely and full repayment of loans is a common phenomenon. Unpaid and delinquent loans are not more than 3% of their amount. The relationship of shareholders with credit union are not client-based, they are co-operative, based on different principles and standards, in particular, on the principles of the law of obligations. Shareholders in corporate organizations are basic credit unions, besides the same union can be a shareholder of several corporate organizations. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members. Credit union as a consumer cooperative operates on the principles of equality of all its members.