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. The number of shareholders of a credit union is limited and formalized by a list. Limit of the number is defined by the assembly and such assembly establishes the charter. When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. At the organization of the credit union it is important that people know each other and know the extent to which each of them is trustworthy. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. National Credit Union Insurance Fund was created by Congress in 1970 to insure deposits of credit union members in the amount of 100 thousand dollars. 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. Credit unions of the open type are still controlled by their members, but at the same time provide services to people who are not its members (external customers). Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative.