Are you eligible to join?

Find out about our 'Common bond'

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We welcome you to our credit union

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If you live or work in Ayrshire, you are eligible to join Ayrshire Credit Union. Your whole family will be welcome in our community and can benefit from membership of the Credit Union.

With a service that makes saving effortless; that offers fair and responsible loans and has built-in no-cost loan and life insurance, joining Ayrshire Credit Union will be the best decision you'll make this year.

Benefits of becoming a member

Savings accounts to suit your needs, loans tailored for you, you can't beat a Credit Union


Member Ownership

Community Savings and Loans Cooperative


Ethical savings & loans

Credit unions are an ethical alternative to banks


FSCS depositor guarantee

Your money is protected up to £85,000

I needed a loan at short notice to have a new boiler fitted. Ayrshire Credit Union really helped me out. Boiler is now all installed and working well. Warm house and hot showers all round. Kids and I are delighted. A big thank you to Ayrshire Credit Union.

Rae, Dalry
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How we protect your money

Just like your high street banks and building societies, the money you deposit into your credit union account, up to £85,000, is protected under the Financial Services Compensation Scheme (FSCS). If you have a joint account you will be protected for £85,000 each.

FSCS protection is free to customers, so if anything happens to your bank, building society or credit union, and you cannot access your money, the FSCS will refund you up to the amount of £85,000.

For more information on how we protect your money please click here

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