In 1908. the spread of credit unions has reached the United States. In 1935 President Roosevelt signed the state Charter on credit unions, which became a law. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. 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. Shareholders in corporate organizations are basic credit unions, besides the same union can be a shareholder of several corporate organizations. In the UK, credit unions are a source of financing of people groups. This tool is not widely used.