Fund of Mutual Financial Aid of the credit union can be extended by sponsorship contributions from businesses, organizations, including on a returnable basis. In recent decades, many credit unions began to resort to such form of service as Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. 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. 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. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine. Credit union as a consumer cooperative operates on the principles of equality of all its members.