Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. The value of credit unions is not limited to the role of the economic agent - they are an important element of the social structure and a factor of social stability and progress. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type. Today, the World Council of Credit Unions is represented as members four regional confederations and twelve national associations.