Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. Cooperation between credit unions, how they would not have been named, took place always, from the moment when the movement moved outside one credit union. All the members of the credit union, regardless of gender, ethnicity, religious and political beliefs, as well as the size of the monetary share have equal rights. 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). Credit unions are financial institutions, financial cooperatives of citizens, and in this capacity they are above all associations of people, not unification of capitals, which is typical, for example, for public companies. 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.