Most modern credit unions represent specialized consumer cooperatives of citizens associated by the principle of social community: place of work, place of residence, profession, or any other shared interest. The economic basis of credit unions - finances of a household. The main objective of the credit union - to ensure financial stability of a household, to ensure the priority of their shareholders' financial interests. Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. Like the credit cooperatives, credit unions form associations of a higher level, which are called corporate credit unions. 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. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions.