In recent decades, many credit unions began to resort to such form of service as Main share of credit unions assets is concentrated in loans (about 50%), while the share of consumer loans in commercial banks and finance companies active operations rarely exceeds 15%. The most common type of loans in credit unions are loans to purchase new and used cars (40%), followed by first mortgages and second mortgages (35%), about 10% are unsecured personal loans to member of unions and about 15% - are loans on credit cards and other loans. Credit unions also differ from the traditional consumer cooperatives. 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. 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. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members.