Credit union membership is open to anyone, any age, living or working within the 'common bond' (the geographical area which is covered by each credit union).  Everyone is welcome, it is easy to join and you receive a personal, friendly service.

To open an account for junior members, a birth certificate and proof of address is required. For adult membership, proof of identification and address is required to prove you are who you say you are and you live where you say you live.  Your local Credit Union will advise you further of their own requirements.

Adults pay a joining fee (usually between £1 and £5). Junior membership is free. There may be a small annual fee (in the region of £1 or £2). Check with your local credit union for details.

You can be a member of more than one credit union as long as you qualify under the 'common bond' rule of living or working within a designated area. So if you live in Liverpool you could be a member of one of the Liverpool credit unions, but you could also be a member of a Cheshire credit union if you work in Cheshire. 

Jackie is a member of her local credit union - click here to read her story.

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