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. In 1908. the spread of credit unions has reached the United States. In 1935 President Roosevelt signed the state Charter on credit unions, which became a law. Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. At the organization of the credit union it is important that people know each other and know the extent to which each of them is trustworthy.