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 attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. Income derived from the provision of services to its members, does not become the profit of credit union and is distributed among its members in proportion to their savings. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks.