In recent decades, many credit unions began to resort to such form of service as Like the credit cooperatives, credit unions form associations of a higher level, which are called corporate credit unions. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. Since the early 80's started the process of consolidation of credit unions, leading to a decrease in their number with a simultaneous increase in the total number of members. Credit unions of the open type are still controlled by their members, but at the same time provide services to people who are not its members (external customers). Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars Shareholders in corporate organizations are basic credit unions, besides the same union can be a shareholder of several corporate organizations. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members.