Borrowing rate for the credit union is a source of income to cover the administrative costs. All excess funds are returned to members in the form of dividends on savings. Credit unions also differ from the traditional consumer cooperatives. 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. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. The right to use the services of the credit union have only its members.