Activity of the credit union consists of organizing mutual financial assistance by meeting the needs of its members in the services of saving and obtaining loans. Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. The number of shareholders of a credit union is limited and formalized by a list. Limit of the number is defined by the assembly and such assembly establishes the charter. Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. International cooperation has been particularly felt since the days when Alphonse Desjardins began the activity on development of credit union movement in North 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.