In the U.S. credit unions timely and full repayment of loans is a common phenomenon. Unpaid and delinquent loans are not more than 3% of their amount. The main activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine. Credit cooperatives and credit unions exist in many different forms. The main differences relate to the nature of the membership and the opening of a credit institution.