Fund of Mutual Financial Aid of the credit union can be extended by sponsorship contributions from businesses, organizations, including on a returnable basis. Historically, credit unions were preceded by widespread development of credit cooperation in many countries of Europe and America. 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. Historically, credit unions have grown from the experience of credit cooperatives, but they took the experience of organizations of mutual aid of citizens by moving methods of social self-protection from labor and toward consumption. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine. The right to use the services of the credit union have only its members. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions.