When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. Credit union services are available only to its shareholders. 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. Taking a decision to join a credit union, citizens create an organization through which they participate in the shared savings by mutual crediting and joint (collective) use of personal savings. To increase the number of credit unions in 1979 was adopted the corresponding law that serves as the legal basis of their activity. Corporate alliances are intermediaries between credit unions and financial markets.