To get a loan in the credit union a shareholder must be not only a formally adopted there, but necessary pay in cash contributions, the amount and order of payment of which approved by the General Assembly and fixed by the charter. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. 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. 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. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. Historically, credit unions have grown from the experience of credit cooperatives, but they took the experience of organizations of mutual aid of citizens by moving methods of social self-protection from labor and toward consumption.