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. 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. Credit union services are available only to its shareholders. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine.