Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. 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. Income derived from the provision of services to its members, does not become the profit of credit union and is distributed among its members in proportion to their savings. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks.