Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. Credit unions also differ from the traditional consumer cooperatives. The difference between credit unions and banks is clearly is apparent when comparing the structure of assets and liabilities of credit unions and banks. Shareholders in corporate organizations are basic credit unions, besides the same union can be a shareholder of several corporate organizations. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type. U.S. credit unions have another significant difference from the credit cooperatives of farmers: the first have major proportion of short-term loans, the second - long and mostly in real estate. Unlike banks credit unions limit their activities to a closed circle of people.