The economic basis of credit unions - finances of a household. The main objective of the credit union - to ensure financial stability of a household, to ensure the priority of their shareholders' financial interests. Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. 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. Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks.