In the U.S., credit unions have a clear organizational structure. All credit unions belong to one or the other parent credit union (there are 35 of them in the U.S.). Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. Contributions from of shareholders in credit unions in no way can be considered as borrowed funds, they come from the shareholders and for the shareholders and can not be used to provide services to third parties. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine. Unlike banks credit unions limit their activities to a closed circle of people. Corporate alliances are intermediaries between credit unions and financial markets.