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. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. To reduce the risk of default on loans members of the credit union shall the joint guarantee. Income derived from the provision of services to its members, does not become the profit of credit union and is distributed among its members in proportion to their savings. Credit unions of the open type are still controlled by their members, but at the same time provide services to people who are not its members (external customers). The relationship between credit unions and shareholders arise from the membership and are not customer relationship. Credit union as a consumer cooperative operates on the principles of equality of all its members.