To get a loan in the credit union a shareholder must be not only a formally adopted there, but necessary pay in cash contributions, the amount and order of payment of which approved by the General Assembly and fixed by the charter. In the U.S. credit unions timely and full repayment of loans is a common phenomenon. Unpaid and delinquent loans are not more than 3% of their amount. Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. Cooperation between credit unions, how they would not have been named, took place always, from the moment when the movement moved outside one credit union. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. The right to use the services of the credit union have only its members.