Today in the UK there are about 700 credit unions with assets exceeding 200 million pounds. When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. Members of credit unions place in credit unions usually free fund balances, ie those that remain after expenses devoted to education of children, the acquisition of new properties, additional pension benefits, etc. 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.