Become a Member

Our Credit Union is for people, not for profit!

Why Join?

Members of a credit union enjoy many benefits, including:

No Costs - Free Services - Convenience - Community Benefits

• There are no account fees, maintenance costs or charges
• We have a wide range of financial services available with a variety of discounts and free services for members
• Control over your own finances
• Competitive loan interest rates
• Encouragement and advice on a regular savings programme
• Attractive return on your savings through annual dividends and loan interest rebate
• Main office opened to 4.30pm on Monday, Tuesday and Friday with late opening to 8pm on Thursday and from 9am to 1pm on Saturday
• Pay into your savings or pay off your loan by standing order without calling in
• The knowledge that your savings are reinvested back into the local community through loans to its members.
• Loan Protection and Life Savings Insurance at no direct cost to eligible members
• Security of savings through the Credit Union's Fidelity Bond, and through the Irish League of Credit Unions' Savings Protection Scheme

How do I Join?

Joining is Easy! If you are over 16 years of age and within the common bond, just apply for membership at one of our offices.

To be eligible for membership of Our Credit Union Ltd you must first of all be living within our Common Bond area. You then need to present us with 2 different forms of identification in order to join (details are given below).  A minimum of £20.50 is needed to open an account and keep it activated.  The 50p represents your membership fee and maintaining a minimum balance of £20.00 means we can ensure you are covered by our Death Benefit Insurance (DBI) scheme, which pays out an additional £2,000.00 on top of the Life Savings and Loan Protection Insurance which are available free of charge to all members.

Two forms of identification are needed in order to comply with the Money Laundering Act 1994, relating to all financial institutions. One form of ID from each of the sections below is required:

1. Evidence of Identification (must show proof of date of birth & recent photo), i.e. Current Valid Passport, Current Valid Driving Licence, Current Valid I. D. Card
2. Evidence of Address (must show address where you currently live), i.e. Original of Recent Household Bill (e.g. NIE, Phone), Electoral Register, Telephone/Street Directory, Bank or Building Society Statement

Contact us today for a membership application form.