Like any financial institution, credit unions have the financial resources. Credit union is created by a group of members who pursue a common interest. Agreeing to make regular contributions, they create a fund from which can borrow money for investments and replenishment of working capital at favorable interest rates. In the U.S. credit unions timely and full repayment of loans is a common phenomenon. Unpaid and delinquent loans are not more than 3% of their amount. The difference between credit unions and banks is clearly is apparent when comparing the structure of assets and liabilities of credit unions and banks. First central bank of credit unions appeared in 1876. Credit unions began to appear rapidly in many European countries. 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 unions are competitors of savings institutions, adding interest on deposits of members. This applies to the shares, as well as to additional funds transferred to the account in the credit union. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type.