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.). Like any financial institution, credit unions have the financial resources. Like the credit cooperatives, credit unions form associations of a higher level, which are called corporate credit unions. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type. The right to use the services of the credit union have only its members. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.).