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. Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. Over 30% of the assets of credit unions are investments in government securities, certificates of deposit of banks and savings loan associations, as well as in the parent credit unions, and other risk-free investments. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars