Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type. Unlike banks credit unions limit their activities to a closed circle of people. Corporate alliances are intermediaries between credit unions and financial markets.