Like any financial institution, credit unions have the financial resources. Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. Cooperation between credit unions, how they would not have been named, took place always, from the moment when the movement moved outside one credit union. Contributions from of shareholders in credit unions in no way can be considered as borrowed funds, they come from the shareholders and for the shareholders and can not be used to provide services to third parties. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine.