The members do through election onto committees. The elected members become officers of the credit union and are educated and trained in the tasks they must perform.  Credit unions have been successful in helping people gain a greater measure of control over their finances.  They are an effective means of teaching the value of voluntary action and community development. The members are the Credit Union.  They provide services to themselves The members own and control the credit union  The credit union deals only with its members  The members decide on the distribution of surpluses  Credit union management is voluntary