Membership in the credit union is voluntary and is open to all citizens bound by with joint work or residence, who wished to create a credit union to use its services and are willing to take on relevant commitments and responsibilities. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. 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). The main activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. Shareholders in corporate organizations are basic credit unions, besides the same union can be a shareholder of several corporate organizations.