Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars The value of credit unions is not limited to the role of the economic agent - they are an important element of the social structure and a factor of social stability and progress. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. Important specifics of creating a credit union - an initiative order of organization: people do not receive any instructions, orders or regulations, the unification into a credit union occurs by their will and decision. The supreme body of the World Council of Credit Unions is the Assembly, which elects the president and the board of directors of WOCCU. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.). Unlike banks credit unions limit their activities to a closed circle of people. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions.