Most modern credit unions represent specialized consumer cooperatives of citizens associated by the principle of social community: place of work, place of residence, profession, or any other shared interest. Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. Cooperation between credit unions, how they would not have been named, took place always, from the moment when the movement moved outside one credit union. To reduce the risk of default on loans members of the credit union shall the joint guarantee. Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions.