Borrowing rate for the credit union is a source of income to cover the administrative costs. All excess funds are returned to members in the form of dividends on savings. Credit unions also differ from the traditional consumer cooperatives. First central bank of credit unions appeared in 1876. Credit unions began to appear rapidly in many European countries. As of the January 1, 2012 the national associations and confederations unite more than 196 million members participating in the 51,013 credit unions in 100 countries. The main activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type. Corporate alliances are intermediaries between credit unions and financial markets.