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. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. To increase the number of credit unions in 1979 was adopted the corresponding law that serves as the legal basis of their activity. Corporate alliances are intermediaries between credit unions and financial markets. A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union.