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. All the members of the credit union, regardless of gender, ethnicity, religious and political beliefs, as well as the size of the monetary share have equal rights. On the consumer credit market in the U.S. credit unions are on the third place after the commercial banks and finance companies and are ahead of savings institutions, not taking into account the loans on real estate.