Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. 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. Credit union promotes the effective conservation of personal funds of its members, giving them the loans from the funds of the credit union, as well as the sharing of savings in education, housing, health care and other programs of social support and social development of its members. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.).