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. Members of credit unions place in credit unions usually free fund balances, ie those that remain after expenses devoted to education of children, the acquisition of new properties, additional pension benefits, etc. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. Unlike banks, in order to use the services of a credit union, you have to become its member, having written an application and having paid thus shares and membership fee. Corporate alliances are intermediaries between credit unions and financial markets.