First central bank of credit unions appeared in 1876. Credit unions began to appear rapidly in many European countries. On the consumer credit market in the U.S. credit unions are on the third place after the commercial banks and finance companies and are ahead of savings institutions, not taking into account the loans on real estate. Credit cooperatives and credit unions exist in many different forms. The main differences relate to the nature of the membership and the opening of a credit institution. Like the credit cooperatives, credit unions form associations of a higher level, which are called corporate credit unions. Historically, credit unions were preceded by widespread development of credit cooperation in many countries of Europe and America. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine.
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Credit cooperatives and credit unions exist in many different forms. The main differences relate to the nature of the membership and the opening of a credit institution. Like the credit cooperatives, credit unions form associations of a higher level, which are called corporate credit unions. On the consumer credit market in the U.S. credit unions are on the third place after the commercial banks and finance companies and are ahead of savings institutions, not taking into account the loans on real estate.