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. When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. A credit union on its own initiative order is created by citizens (individuals) to solve their financial problems that they could not solve in other financial institutions. Corporate alliances are intermediaries between credit unions and financial markets.