Your monthly budget

My monthly income is:
My monthly outgoings are:
You will have this much left each month:

Are you eligible to join?

Find out about our 'Common bond'

Join Us

We welcome you to our credit union

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You are eligible to join Ayrshire Credit Union if you live or work in Ayrshire. 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

Ayrshire Credit Union has been a wonderful volunteering experience for me. Staff and other volunteers have been very, warm, friendly and welcoming. Volunteering here has given me confidence and experience that will help me immensely going into the future in a financial and office environment.

Martin, Kilmarnock
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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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