Cooperation between credit unions, how they would not have been named, took place always, from the moment when the movement moved outside one credit union. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Credit unions are financial institutions, financial cooperatives of citizens, and in this capacity they are above all associations of people, not unification of capitals, which is typical, for example, for public companies.