Membership in the credit union is voluntary and is open to all citizens bound by with joint work or residence, who wished to create a credit union to use its services and are willing to take on relevant commitments and responsibilities. Most modern credit unions represent specialized consumer cooperatives of citizens associated by the principle of social community: place of work, place of residence, profession, or any other shared interest. Credit unions also differ from the traditional consumer cooperatives. Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative. The right to use the services of the credit union have only its members.
Credit unions also differ from the traditional consumer cooperatives. Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. Most modern credit unions represent specialized consumer cooperatives of citizens associated by the principle of social community: place of work, place of residence, profession, or any other shared interest.