In recent decades, many credit unions began to resort to such form of service as Credit unions encourage savings of citizens, setting compensation payments (interest) on savings and provide from these savings loans to their members. Income derived from the provision of services to its members, does not become the profit of credit union and is distributed among its members in proportion to their savings. The relationship of shareholders with credit union are not client-based, they are co-operative, based on different principles and standards, in particular, on the principles of the law of obligations. 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. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks.