Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. To reduce the risk of default on loans members of the credit union shall the joint guarantee. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.). U.S. credit unions have another significant difference from the credit cooperatives of farmers: the first have major proportion of short-term loans, the second - long and mostly in real estate. A credit union on its own initiative order is created by citizens (individuals) to solve their financial problems that they could not solve in other financial institutions.