In recent decades, many credit unions began to resort to such form of service as When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. Membership in the credit union forms responsible citizens and conscientious attitude to their obligations as a norm of behavior, identify the value of a decent man's reputation in the business turnover. 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. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. To increase the number of credit unions in 1979 was adopted the corresponding law that serves as the legal basis of their activity.