To date, credit unions - virtually the only form of financial institution where people can quickly and without any problems get a relatively inexpensive cash loan. Today in the UK there are about 700 credit unions with assets exceeding 200 million pounds. Activity of the credit union consists of organizing mutual financial assistance by meeting the needs of its members in the services of saving and obtaining loans. To reduce the risk of default on loans members of the credit union shall the joint guarantee. The relationship between credit unions and shareholders arise from the membership and are not customer relationship.