Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). 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. Credit union services are available only to its shareholders. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. 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. Credit unions are competitors of savings institutions, adding interest on deposits of members. This applies to the shares, as well as to additional funds transferred to the account in the credit union. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. Credit cooperatives and credit unions exist in many different forms. The main differences relate to the nature of the membership and the opening of a credit institution.