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. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. Unlike banks credit unions limit their activities to a closed circle of people. Corporate alliances are intermediaries between credit unions and financial markets.