Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. The number of shareholders of a credit union is limited and formalized by a list. Limit of the number is defined by the assembly and such assembly establishes the charter. Specialization of credit unions to provide financial services to its shareholders requires a particularly strict regulation of membership and acceptable activities. 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. Important specifics of creating a credit union - an initiative order of organization: people do not receive any instructions, orders or regulations, the unification into a credit union occurs by their will and decision. Unlike banks credit unions limit their activities to a closed circle of people.