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. Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. The right to use the services of the credit union have only its members.