Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). To date, credit unions - virtually the only form of financial institution where people can quickly and without any problems get a relatively inexpensive cash loan. In recent decades, many credit unions began to resort to such form of service as First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type. Credit cooperatives and credit unions exist in many different forms. The main differences relate to the nature of the membership and the opening of a credit institution. To increase the number of credit unions in 1979 was adopted the corresponding law that serves as the legal basis of their activity. Today, the World Council of Credit Unions is represented as members four regional confederations and twelve national associations.