In recent decades, many credit unions began to resort to such form of service as Credit union services are available only to its shareholders. Income derived from the provision of services to its members, does not become the profit of credit union and is distributed among its members in proportion to their savings. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars The main activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine. U.S. credit unions have another significant difference from the credit cooperatives of farmers: the first have major proportion of short-term loans, the second - long and mostly in real estate. Credit union as a consumer cooperative operates on the principles of equality of all its members.