Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. National Credit Union Insurance Fund was created by Congress in 1970 to insure deposits of credit union members in the amount of 100 thousand dollars. 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. Credit unions are financial institutions, financial cooperatives of citizens, and in this capacity they are above all associations of people, not unification of capitals, which is typical, for example, for public companies.