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. Credit unions also differ from the traditional consumer cooperatives. The uniqueness of credit unions is that they put together the principles and benefits of financial cooperatives, consumer cooperatives and mutual aid funds, born once by trade unions. When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. First central bank of credit unions appeared in 1876. Credit unions began to appear rapidly in many European countries. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions.