Credit unions encourage savings of citizens, setting compensation payments (interest) on savings and provide from these savings loans to their members. Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. International cooperation has been particularly felt since the days when Alphonse Desjardins began the activity on development of credit union movement in North America. 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.