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. Credit union services are available only to its shareholders. 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. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Unlike banks, in order to use the services of a credit union, you have to become its member, having written an application and having paid thus shares and membership fee. Credit union as a consumer cooperative operates on the principles of equality of all its members.