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. Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. Cooperation between credit unions, how they would not have been named, took place always, from the moment when the movement moved outside one credit union. A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. A credit union on its own initiative order is created by citizens (individuals) to solve their financial problems that they could not solve in other financial institutions. Corporate alliances are intermediaries between credit unions and financial markets.