Like any financial institution, credit unions have the financial resources. 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. Membership in the credit union forms responsible citizens and conscientious attitude to their obligations as a norm of behavior, identify the value of a decent man's reputation in the business turnover. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars Unlike banks, in order to use the services of a credit union, you have to become its member, having written an application and having paid thus shares and membership fee.