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. 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. Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative. Credit union as a consumer cooperative operates on the principles of equality of all its members. Today, the World Council of Credit Unions is represented as members four regional confederations and twelve national associations.