Typically, donor contributions to the credit unions are targeted and used in the same statutory requirements and restrictions as the Mutual Financial Aid fund as a whole. The economic basis of credit unions - finances of a household. The main objective of the credit union - to ensure financial stability of a household, to ensure the priority of their shareholders' financial interests. Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. 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. 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). The value of credit unions is not limited to the role of the economic agent - they are an important element of the social structure and a factor of social stability and progress. A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union.