Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. Members of credit unions place in credit unions usually free fund balances, ie those that remain after expenses devoted to education of children, the acquisition of new properties, additional pension benefits, etc. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.).