The difference between credit unions and banks is clearly is apparent when comparing the structure of assets and liabilities of credit unions and banks. Historically, credit unions have grown from the experience of credit cooperatives, but they took the experience of organizations of mutual aid of citizens by moving methods of social self-protection from labor and toward consumption. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. The right to use the services of the credit union have only its members.