Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). All the members of the credit union, regardless of gender, ethnicity, religious and political beliefs, as well as the size of the monetary share have equal rights. International cooperation has been particularly felt since the days when Alphonse Desjardins began the activity on development of credit union movement in North America. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars In the case of default the shareholder - individual will respond with its property and, in addition, is jointly and severally liable with the credit union's commitments. Unlike banks credit unions limit their activities to a closed circle of people.