Membership in the credit union is voluntary and is open to all citizens bound by with joint work or residence, who wished to create a credit union to use its services and are willing to take on relevant commitments and responsibilities. Main share of credit unions assets is concentrated in loans (about 50%), while the share of consumer loans in commercial banks and finance companies active operations rarely exceeds 15%. The most common type of loans in credit unions are loans to purchase new and used cars (40%), followed by first mortgages and second mortgages (35%), about 10% are unsecured personal loans to member of unions and about 15% - are loans on credit cards and other loans. The difference between credit unions and banks is clearly is apparent when comparing the structure of assets and liabilities of credit unions and banks. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. Corporate alliances are intermediaries between credit unions and financial markets.