Some credit unions are closed, serving only their members. However, the more and more popularitywin cooperatives of open type. Credit unions also differ from the traditional consumer cooperatives. Since the early 80's started the process of consolidation of credit unions, leading to a decrease in their number with a simultaneous increase in the total number of members. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks. Credit union as a consumer cooperative operates on the principles of equality of all its members.