Historically, credit unions were preceded by widespread development of credit cooperation in many countries of Europe and America. Credit union is created by a group of members who pursue a common interest. Agreeing to make regular contributions, they create a fund from which can borrow money for investments and replenishment of working capital at favorable interest rates. 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. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. Shareholders in corporate organizations are basic credit unions, besides the same union can be a shareholder of several corporate organizations.