Borrowing rate for the credit union is a source of income to cover the administrative costs. All excess funds are returned to members in the form of dividends on savings. 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. Shareholders in corporate organizations are basic credit unions, besides the same union can be a shareholder of several corporate organizations. The supreme body of the World Council of Credit Unions is the Assembly, which elects the president and the board of directors of WOCCU. To increase the number of credit unions in 1979 was adopted the corresponding law that serves as the legal basis of their activity.