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 activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. Credit union as a consumer cooperative operates on the principles of equality of all its members.