Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. To reduce the risk of default on loans members of the credit union shall the joint guarantee. Over 30% of the assets of credit unions are investments in government securities, certificates of deposit of banks and savings loan associations, as well as in the parent credit unions, and other risk-free investments. Initially, the target groups of credit unions were farmers (Raiffeisen), and now they include both individuals (credit unions), and organizations. Taking a decision to join a credit union, citizens create an organization through which they participate in the shared savings by mutual crediting and joint (collective) use of personal savings. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type. 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. Corporate alliances are intermediaries between credit unions and financial markets.