Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). Credit unions attract people in the first place by the opportunity to get cash loan (credit) - quickly and relatively inexpensively. Specialization of credit unions to provide financial services to its shareholders requires a particularly strict regulation of membership and acceptable activities. To reduce the risk of default on loans members of the credit union shall the joint guarantee. Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. The supreme body of the World Council of Credit Unions is the Assembly, which elects the president and the board of directors of WOCCU. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type. The right to use the services of the credit union have only its members. A credit union on its own initiative order is created by citizens (individuals) to solve their financial problems that they could not solve in other financial institutions.