Typically, donor contributions to the credit unions are targeted and used in the same statutory requirements and restrictions as the Mutual Financial Aid fund as a whole. Like the credit cooperatives, credit unions form associations of a higher level, which are called corporate credit unions. Credit unions appeared in England in the 19th century. In 1844 a group of workers from Rochdale established the first cooperative. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type.