Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). Over 30% of the assets of credit unions are investments in government securities, certificates of deposit of banks and savings loan associations, as well as in the parent credit unions, and other risk-free investments. International cooperation has been particularly felt since the days when Alphonse Desjardins began the activity on development of credit union movement in North America. The right to use the services of the credit union have only its members. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks.