Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). In recent decades, many credit unions began to resort to such form of service as When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. To reduce the risk of default on loans members of the credit union shall the joint guarantee. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type. Credit unions base their activities on savings of shareholders, their shares and savings contributions, which make up the fund of mutual financial assistance - a source of cash loans to shareholders. On the consumer credit market in the U.S. credit unions are on the third place after the commercial banks and finance companies and are ahead of savings institutions, not taking into account the loans on real estate. To increase the number of credit unions in 1979 was adopted the corresponding law that serves as the legal basis of their activity. Unlike banks credit unions limit their activities to a closed circle of people.