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. Credit unions perform the function of social protection in a vital for people sphere of financial services. They care about improving the financial literacy of the population, are working on the formation of their members and their employees. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine. Corporate alliances are intermediaries between credit unions and financial markets.