Credit unions encourage savings of citizens, setting compensation payments (interest) on savings and provide from these savings loans to their members. Credit unions also differ from the traditional consumer cooperatives. Credit union services are available only to its shareholders. A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union. Income derived from the provision of services to its members, does not become the profit of credit union and is distributed among its members in proportion to their savings. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members.