When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. Share contributions are transferred to the credit union on the basis of membership for the whole stay of a shareholder as member of the credit union and are the basis of membership. Cooperation between credit unions, how they would not have been named, took place always, from the moment when the movement moved outside one credit union. The relationship of shareholders with credit union are not client-based, they are co-operative, based on different principles and standards, in particular, on the principles of the law of obligations. The main activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. Credit union as a consumer cooperative operates on the principles of equality of all its members.