Fund of Mutual Financial Aid of the credit union can be extended by sponsorship contributions from businesses, organizations, including on a returnable basis. 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. 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. 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. International cooperation has been particularly felt since the days when Alphonse Desjardins began the activity on development of credit union movement in North America. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine.