Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. First central bank of credit unions appeared in 1876. Credit unions began to appear rapidly in many European countries. Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative. In the case of default the shareholder - individual will respond with its property and, in addition, is jointly and severally liable with the credit union's commitments. The right to use the services of the credit union have only its members.