National Credit Union Administration (NCUA) - an independent federal agency, based in Washington (State of Columbia), established by the U.S. Congress to oversee the federal credit union system. At the organization of the credit union it is important that people know each other and know the extent to which each of them is trustworthy. Credit unions are competitors of savings institutions, adding interest on deposits of members. This applies to the shares, as well as to additional funds transferred to the account in the credit union. In the case of default the shareholder - individual will respond with its property and, in addition, is jointly and severally liable with the credit union's commitments. Historically, credit unions have grown from the experience of credit cooperatives, but they took the experience of organizations of mutual aid of citizens by moving methods of social self-protection from labor and toward consumption. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks.