Credit unions also differ from the traditional consumer cooperatives. Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. Credit unions of the open type are still controlled by their members, but at the same time provide services to people who are not its members (external customers). The main activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. 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, 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. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks.