Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. 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. Since the early 80's started the process of consolidation of credit unions, leading to a decrease in their number with a simultaneous increase in the total number of members. Over 30% of the assets of credit unions are investments in government securities, certificates of deposit of banks and savings loan associations, as well as in the parent credit unions, and other risk-free investments. 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. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.). On the consumer credit market in the U.S. credit unions are on the third place after the commercial banks and finance companies and are ahead of savings institutions, not taking into account the loans on real estate. A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union.