Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. Credit union services are available only to its shareholders. 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. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars Shareholders in corporate organizations are basic credit unions, besides the same union can be a shareholder of several corporate organizations. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine. Today, the World Council of Credit Unions is represented as members four regional confederations and twelve national associations.