In the U.S., credit unions have a clear organizational structure. All credit unions belong to one or the other parent credit union (there are 35 of them in the U.S.). Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). 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. Until the 70's there was a proliferation of the U.S. credit unions due to the increase of their number and the number of shareholders, although it must be acknowledged that there was also and a qualitative growth. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars Credit unions are competitors of savings institutions, adding interest on deposits of members. This applies to the shares, as well as to additional funds transferred to the account in the credit union. The main activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. Historically, credit unions have grown from the experience of credit cooperatives, but they took the experience of organizations of mutual aid of citizens by moving methods of social self-protection from labor and toward consumption. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.).