Like any financial institution, credit unions have the financial resources. Credit unions also differ from the traditional consumer cooperatives. Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. First central bank of credit unions appeared in 1876. Credit unions began to appear rapidly in many European countries. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. The relationship between credit unions and shareholders arise from the membership and are not customer relationship.