Like any financial institution, credit unions have the financial resources. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.). Unlike banks credit unions limit their activities to a closed circle of people.