Original: in Spanish-speaking countries , they are often called cooperativas de ahorro y crédito , CUNA , Products and Services , '' Spanish Stuffer : Las Cooperativas de Ahorro y CréditoDePeru , '' Cooperativas de Ahorro y Crédito but in Mexico they are typically called a caja popular .
Simplified: Credit unions differ from banks and other financial institutions in that the members who have accounts in the credit union are the owners of the credit union - there are no external shareholders .