To date, credit unions - virtually the only form of financial institution where people can quickly and without any problems get a relatively inexpensive cash loan. Credit union services are available only to its shareholders. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. Unlike banks, in order to use the services of a credit union, you have to become its member, having written an application and having paid thus shares and membership fee. To increase the number of credit unions in 1979 was adopted the corresponding law that serves as the legal basis of their activity.