Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). Credit unions encourage savings of citizens, setting compensation payments (interest) on savings and provide from these savings loans to their members. Credit union services are available only to its shareholders. Members of credit unions place in credit unions usually free fund balances, ie those that remain after expenses devoted to education of children, the acquisition of new properties, additional pension benefits, etc. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. The main activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. Unlike banks credit unions limit their activities to a closed circle of people.