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    • How to Join
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  • About
    • How to Join
    • Credit Union or Bank?
    • FAQs
  • Loans
    • Personal Loans
    • Secured Loans
    • Debt Consolidation
    • Online Loan Application
  • Savings
    • Instant Access Accounts
    • Junior Savings Accounts
    • Christmas Savings Club
  • Payroll Savers
  • Lottery
  • Contact Us
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How to Join

Thistle Credit Union is a savings and loans co-operative owned by its 9,000 members. When you join, you become a member and part-owner. Applying online takes around 10 minutes.

Can I Join?

You can join if you reside or are employed in the following postcodes: G, PA, FK, KA, ML and DG.

These are the Glasgow, Paisley, Falkirk, Kilmarnock, Motherwell and Dumfries postcode areas. If your home or work postcode starts with one of these, you are eligible.

Saving for a child? A parent or guardian can open a Junior Savings account for them.

How It Works

  1. Check that you live or work in one of our postcode areas
  2. Apply online. The form takes around 10 minutes
  3. We check your details and your ID
  4. Start saving by standing order, direct debit, card payment or through your employer with Payroll Savers
  5. Borrow when you need to. You need at least £10 in your savings account before you can apply for a loan, and we recommend saving regularly for at least eight weeks first

What You Need to Apply

Have these ready before you start:

  • Your full name, date of birth and contact details
  • Details of your beneficiary or next of kin
  • Two forms of ID and a proof of address
  • Your bank details, so you can save with us
Join Now

After You Join

You can manage your account on our free mobile app, online, by phone or in any of our branches. As a member you can vote at our general meetings and share in any dividend we pay on savings.

Your Savings Are Protected

Your savings with us are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000.

Questions?

See our frequently asked questions.

Call us on 01698 711112, email staff@thistlecu.co.uk or visit one of our six branches.

Thistle Credit Union logo

Contact Us

  • 01698 711112
  • staff@thistlecu.co.uk
  • Find Your Branch

Borrowing

  • Personal Loans
  • Secured Loans
  • Debt Consolidation

Saving

  • Instant Access
  • Junior Savings
  • Christmas Savings
  • Payroll Deduction

Resources

  • Loan Calculator
  • Budget Planner
  • Benefit Calculator
  • Cost of Living
  • How to Join
  • Credit Union or Bank?
  • FAQs

Useful Links

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  • Jagpot Lottery
  • Latest News

Legal

  • Terms & Conditions
  • Financial Protection
  • Make a Complaint
  • Loan Protection
  • Privacy Policy

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Living Wage Employer accreditation
Living Hours Employer accreditation
Protected by the Financial Services Compensation Scheme (FSCS)
Regulated by the Financial Conduct Authority
Member of Ayrshire Chamber of Commerce

Thistle Credit Union is authorised by The Prudential Regulation Authority and regulated by The Financial Conduct Authority and The Prudential Regulation Authority. FCA Reference Number 213669.