Borrowing rate for the credit union is a source of income to cover the administrative costs. All excess funds are returned to members in the form of dividends on savings. In recent decades, many credit unions began to resort to such form of service as The uniqueness of credit unions is that they put together the principles and benefits of financial cooperatives, consumer cooperatives and mutual aid funds, born once by trade unions. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members.