Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). In recent decades, many credit unions began to resort to such form of service as Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its 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). 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. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. The right to use the services of the credit union have only its members. A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union.