Like any financial institution, credit unions have the financial resources. Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. Members of credit unions place in credit unions usually free fund balances, ie those that remain after expenses devoted to education of children, the acquisition of new properties, additional pension benefits, etc. To reduce the risk of default on loans members of the credit union shall the joint guarantee. Until the 70's there was a proliferation of the U.S. credit unions due to the increase of their number and the number of shareholders, although it must be acknowledged that there was also and a qualitative growth. Important specifics of creating a credit union - an initiative order of organization: people do not receive any instructions, orders or regulations, the unification into a credit union occurs by their will and decision. The specifics of credit unions and, in some sense, their uniqueness lies in the fact that they work not for profit and do not appropriate profit. Corporate alliances are intermediaries between credit unions and financial markets.