In recent decades, many credit unions began to resort to such form of service as Credit unions also differ from the traditional consumer cooperatives. Share contributions are transferred to the credit union on the basis of membership for the whole stay of a shareholder as member of the credit union and are the basis of membership. Since the early 80's started the process of consolidation of credit unions, leading to a decrease in their number with a simultaneous increase in the total number of members. Credit unions of the open type are still controlled by their members, but at the same time provide services to people who are not its members (external customers). Credit unions appeared in England in the 19th century. In 1844 a group of workers from Rochdale established the first cooperative. Shareholders in corporate organizations are basic credit unions, besides the same union can be a shareholder of several corporate organizations.