Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. At the organization of 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. The right to use the services of the credit union have only its members. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.). Unlike banks credit unions limit their activities to a closed circle of people. Today, the World Council of Credit Unions is represented as members four regional confederations and twelve national associations.