Credit unions encourage savings of citizens, setting compensation payments (interest) on savings and provide from these savings loans to their members. Income received by the credit union shall be distributed among the shareholders or spent for the depreciation of services, that is, are the most effective means of meeting the needs of shareholders. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members.