To get a loan in the credit union a shareholder must be not only a formally adopted there, but necessary pay in cash contributions, the amount and order of payment of which approved by the General Assembly and fixed by the charter. Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. 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. Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members. Today, the World Council of Credit Unions is represented as members four regional confederations and twelve national associations. Corporate alliances are intermediaries between credit unions and financial markets.