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. As of the January 1, 2012 the national associations and confederations unite more than 196 million members participating in the 51,013 credit unions in 100 countries. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars In the UK, credit unions are a source of financing of people groups. This tool is not widely used.