Christmas Savings Club
- Save throughout the year
- Account is locked safe until November
- Access your savings in cash
- Savings protected up to £120,000
How it Works
- Save as much or as little as you want throughout the year
- Account is locked safe with Thistle Credit Union until November
- Gain access to your savings in cash at the start of November
- Account is locked in January and can be accessed the following Novembe
Why Choose Thistle Credit Union?
Part Owner with Full Control
Your voice matters and as a part owner, have a say in how we operate.
Simplified Savings Solutions
Easy deposits with standing order, card payment and direct debit.
Borrowing Built for You
Our member focused, affordable loans are designed with you in mind.
Life Protection Included
Enjoy peace of mind with an extra level of financial security for your loved ones.
Banking at Your Fingertips
Manage your Thistle Credit Union account on our free mobile banking app.
Safe and Secure Savings
Your hard earned savings are protected under The FSCS.
Exceptional Member Service
Customer service that goes above and beyond, tailored to your needs.
Share in Our Success
Earn dividends on your savings whenever Thistle Credit Union turns a profit.
Community of Support
Join a community that values providing mutual aid and support to local people.
Financial Protection
At Thistle Credit Union we’re members of The Financial Services Compensation Scheme (FSCS), which automatically gives you savings protection for up to the value of £120,000. The FSCS is funded by the financial services industry and is free to consumers, meaning if your credit union goes out of business you will receive your money back within twenty one days (T&Cs apply).
Eligibility
To be eligible to join Thistle Credit Union you must meet all of the following:
- Over the age of 16.
- Live or work within KA, G, ML, PA, DG or FK postcodes
- Be a member of Thistle Credit Union
** Please note that join acceptance is subject to terms and conditions. You are not eligible to borrow until you turn 18.
Required Documents
In order to process your application, we require a number of documents that will allow us to confirm your identity and assess your ability to afford the repayments.
Documents should be downloaded and emailed to staff@thistlecu.co.uk as a PDF file or paper copies handed into a branch. Please note that we cannot accept the original document.
- Photographic ID such as an in date passport, driving license or full birth certificate for the adult who is opening the account.
- Proof of address such as a band statement or utility bill dated within the last three month.
Setting Up a Direct Debit
To begin your regular savings journey, you can set up an automatic direct debit payment to go straight into your Thistle Credit Union account.
You bank details are as follows:
- Account Number: 00319183
- Sort Code: 82-20-00
** Please use your member number as a reference when making payments into your account to ensure we can allocate your savings to the correct account.
Your Credit Union in Your Pocket
Managing your Thistle Credit Union account has never been easier with our free mobile banking app. Join over 4,000 members across the West of Scotland managing their account wherever they are.
- Check your balance
- Track income and outgoings
- Make quick withdrawals
- Easily deposit into your savings
- Calculate loan repayments
- Apply for a loan
- Track and make loan payments
Let's Get Started
Join the growing movement revolutionising how we bank by setting up your Thistle Credit Union account today.
Frequently Asked Questions
How much can I borrow?
You can apply to borrow up to £15,000 however, we cannot guarantee that you will be awarded the full amount. We operate on a points based system in order to ensure fairness and that any loan taken out with us will not cause your financial situation to worsen. We assess all applications on a first come first served basis.
How do I repay my loan?
Repayments are made through payroll deduction, standing order, paypoint, cash or direct debit. Unless otherwise agreed between us, the whole of each payroll deduction standing order, paypoint, cash or direct debit may be applied towards the repayment of the loan and the interest due on it.
How do I manage my account?
You can manage your Thistle Credit Union account online, on our free mobile banking app, over the phone or in one of our six branches across the West of Scotland where our friendly and highly trained staff are more than happy to help.
I'm struggling with repayments
We understand that life circumstances can change quickly. However, missed payments will have a negative impact on your credit score and your ability to borrow in the future. If you are struggling with repayments, please reach out to our team by phone or email. We are committed to doing what we can to support our members and find a sustainable way to continue to repay your loan without causing additional financial harm.
When can I apply for a loan?
You must be a member of Thistle Credit Union and over the age of 18. We recommend that you build a habit of regular saving for at least eight weeks before applying for a loan, it is a credit union requirement that you hold at least £10.00 in your savings account before you are eligible for a loan.
When can I reapply for a loan?
If your loan application has been declined, we recommend continuing to consistently save for at least eight weeks before reapplying. If there is advice specific to your circumstances, our member services officers will inform you when they confirm your loan decision.
When will I receive the money?
Once you have signed and submitted your final document showing you have agreed to the terms of the loan, you should receive the money the next working day.
Why was my application declined?
We reserve the right to decline certain applications and if we do reject an application, this will be following an assessment of the application by our personal lending team. A loan refusal simply means that on this occasion we feel unable to offer the amount you have applied for. In some circumstances, we may offer a reduced amount.
Christmas Savings Club
- Save for Christmas throughout the year
- Account is locked safe until November
- Access your savings in cash
- Savings protected up to £120,000
Part Owner with Full Control
Your voice matters and as a part owner, have a say in how we operate.
Simplified Savings Solutions
Easy deposits with standing order, card payment and direct debit.
Borrowing Built for You
Our member focused, affordable loans are designed with you in mind.
Life Protection Included
Enjoy peace of mind with an extra level of financial security for your loved ones.
Banking at Your Fingertips
Manage your Thistle Credit Union account on our free mobile banking app.
Safe and Secure Savings
Your hard earned savings are protected under The FSCS.
Exceptional Member Service
Customer service that goes above and beyond, tailored to your needs.
Share in Our Success
Earn dividends on your savings whenever Thistle Credit Union turns a profit.
Community of Support
Join a community that values providing mutual aid and support to local people.
Eligibility
To be eligible to open a junior account with Thistle Credit Union you must meet all of the following:
- The child much be under the age of 16.
- Live or work within our common bond.
** Please note that join acceptance is subject to terms and conditions. Members must be over the age of 18 to borrow.
Financial Protection
At Thistle Credit Union we’re members of The Financial Services Compensation Scheme (FSCS), which automatically gives you savings protection for up to the value of £120,000. The FSCS is funded by the financial services industry and is free to consumers, meaning if your credit union goes out of business you will receive your money back within seven days (T&Cs apply).
How to Join
Required Documents
In order to process your application, we require a number of documents that will allow us to confirm your identity and assess your ability to afford the repayments.
Documents should be downloaded and emailed to staff@thistlecu.co.uk as a PDF file or paper copies handed into a branch. Please note that we cannot accept the original document.
- Photographic ID such as an in date passport, driving license or full birth certificate for the adult opening the account
- Proof of address such as a band statement or utility bill dated within the last three months
Your Credit Union in Your Pocket
Managing your Thistle Credit Union account has never been easier with our free mobile app. Join over 4,000 members across the West of Scotland managing their account wherever they are.
- Check your balance
- Track income and outgoings
- Make quick withdrawals
- Easily deposit into your savings
- Calculate loan repayments
- Apply for a loan
- Track and make loan payments
Let's Get Started
Join the growing movement revolutionising the way we save and borrow by opening your Thistle Credit Union today.
- Proof of address
- Photographic ID or full birth certificate
- Your bank details so you can save with us
Frequently Asked Questions
How much can I borrow?
You can apply to borrow up to £15,000 however, we cannot guarantee that you will be awarded the full amount. We operate on a points based system in order to ensure fairness and that any loan taken out with us will not cause your financial situation to worsen. We assess all applications on a first come first served basis.
How do I repay my loan?
Repayments are made through payroll deduction, standing order, paypoint, cash or direct debit. Unless otherwise agreed between us, the whole of each payroll deduction standing order, paypoint, cash or direct debit may be applied towards the repayment of the loan and the interest due on it.
How do I manage my account?
You can manage your Thistle Credit Union account online, on our free mobile banking app, over the phone or in one of our six branches across the West of Scotland where our friendly and highly trained staff are more than happy to help.
I'm struggling with repayments
We understand that life circumstances can change quickly. However, missed payments will have a negative impact on your credit score and your ability to borrow in the future. If you are struggling with repayments, please reach out to our team by phone or email. We are committed to doing what we can to support our members and find a sustainable way to continue to repay your loan without causing additional financial harm.
When can I apply for a loan?
You must be a member of Thistle Credit Union and over the age of 18. We recommend that you build a habit of regular saving for at least eight weeks before applying for a loan, it is a credit union requirement that you hold at least £10.00 in your savings account before you are eligible for a loan.
When can I reapply for a loan?
If your loan application has been declined, we recommend continuing to consistently save for at least eight weeks before reapplying. If there is advice specific to your circumstances, our member services officers will inform you when they confirm your loan decision.
When will I receive the money?
Once you have signed and submitted your final document showing you have agreed to the terms of the loan, you should receive the money the next working day.
Why was my application declined?
We reserve the right to decline certain applications and if we do reject an application, this will be following an assessment of the application by our personal lending team. A loan refusal simply means that on this occasion we feel unable to offer the amount you have applied for. In some circumstances, we may offer a reduced amount.