In 1908. the spread of credit unions has reached the United States. In 1935 President Roosevelt signed the state Charter on credit unions, which became a law. Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. 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. In the UK, credit unions are a source of financing of people groups. This tool is not widely used.