Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. Income received by the credit union shall be distributed among the shareholders or spent for the depreciation of services, that is, are the most effective means of meeting the needs of shareholders. Initially, the target groups of credit unions were farmers (Raiffeisen), and now they include both individuals (credit unions), and organizations. Unlike banks credit unions limit their activities to a closed circle of people.