To get a loan in the credit union a shareholder must be not only a formally adopted there, but necessary pay in cash contributions, the amount and order of payment of which approved by the General Assembly and fixed by the charter. Like any financial institution, credit unions have the financial resources. Like the credit cooperatives, credit unions form associations of a higher level, which are called corporate credit unions. 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 cooperatives and credit unions exist in many different forms. The main differences relate to the nature of the membership and the opening of a credit institution. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.). Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions. Corporate alliances are intermediaries between credit unions and financial markets.