Corporate credit unions are united on a cooperative basis in the Central Credit Union (US Central Credit Union). In recent decades, many credit unions began to resort to such form of service as 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. Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. Initially, the target groups of credit unions were farmers (Raiffeisen), and now they include both individuals (credit unions), and organizations. Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative. In the case of default the shareholder - individual will respond with its property and, in addition, is jointly and severally liable with the credit union's commitments. The specifics of credit unions and, in some sense, their uniqueness lies in the fact that they work not for profit and do not appropriate profit.