Specialization of credit unions to provide financial services to its shareholders requires a particularly strict regulation of membership and acceptable activities. Share contributions are transferred to the credit union on the basis of membership for the whole stay of a shareholder as member of the credit union and are the basis of membership. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. Taking a decision to join a credit union, citizens create an organization through which they participate in the shared savings by mutual crediting and joint (collective) use of personal savings. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks.