Like any financial institution, credit unions have the financial resources. In recent decades, many credit unions began to resort to such form of service as The economic basis of credit unions - finances of a household. The main objective of the credit union - to ensure financial stability of a household, to ensure the priority of their shareholders' financial interests. Specialization of credit unions to provide financial services to its shareholders requires a particularly strict regulation of membership and acceptable activities. 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. The value of credit unions is not limited to the role of the economic agent - they are an important element of the social structure and a factor of social stability and progress. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. Credit unions are financial institutions, financial cooperatives of citizens, and in this capacity they are above all associations of people, not unification of capitals, which is typical, for example, for public companies. Today, the World Council of Credit Unions is represented as members four regional confederations and twelve national associations.