Shareholders in corporate organizations are basic credit unions, besides the same union can be a shareholder of several corporate organizations. Membership in the credit union forms responsible citizens and conscientious attitude to their obligations as a norm of behavior, identify the value of a decent man's reputation in the business turnover. Most modern credit unions represent specialized consumer cooperatives of citizens associated by the principle of social community: place of work, place of residence, profession, or any other shared interest. The specifics of the credit union as a credit consumer cooperative is that it is a form of mutual financial assistance of citizens. Typically, donor contributions to the credit unions are targeted and used in the same statutory requirements and restrictions as the Mutual Financial Aid fund as a whole. Credit unions appeared in England in the 19th century. In 1844 a group of workers from Rochdale established the first cooperative. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. In the case of default the shareholder - individual will respond with its property and, in addition, is jointly and severally liable with the credit union's commitments. Membership in the credit union is voluntary and is open to all citizens bound by with joint work or residence, who wished to create a credit union to use its services and are willing to take on relevant commitments and responsibilities.