Like any financial institution, credit unions have the financial resources. 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. Today in the UK there are about 700 credit unions with assets exceeding 200 million pounds. Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. 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. Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative.