Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). In recent decades, many credit unions began to resort to such form of service as International cooperation has been particularly felt since the days when Alphonse Desjardins began the activity on development of credit union movement in North America. Taking a decision to join a credit union, citizens create an organization through which they participate in the shared savings by mutual crediting and joint (collective) use of personal savings. Unlike banks credit unions limit their activities to a closed circle of people.