Borrowing rate for the credit union is a source of income to cover the administrative costs. All excess funds are returned to members in the form of dividends on savings. The uniqueness of credit unions is that they put together the principles and benefits of financial cooperatives, consumer cooperatives and mutual aid funds, born once by trade unions. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. 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.