Typically, donor contributions to the credit unions are targeted and used in the same statutory requirements and restrictions as the Mutual Financial Aid fund as a whole. Borrowing rate for the credit union is a source of income to cover the administrative costs. All excess funds are returned to members in the form of dividends on savings. Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. Corporate alliances are intermediaries between credit unions and financial markets.