Why join Clackmannanshire Credit Union?

Clackmannanshire Credit Union is a member-owned organisation. It is run by a Board of Directors elected by the Membership at the Annual General Meeting. Each adult member has one vote irrespective of the the size of his/her share balance. Any surplus earned by the Credit Union is returned to the membership via a dividend and/or improved services.

Who can join?

Anyone who lives or works in Clackmannanshire, the city of Stirling or Kincardine ( on-Forth) is eligible to join. If you are 16 years or older then you can be an adult member. Junior membership is available for anyone under 16 years of age and the account must be opened and operated by the Parent/Guardian.

What is expected of me?

Clackmannanshire Credit Union is primarily a savings organisation and we ask all members to commit to saving regularly. Even £1 per week is sufficient to start a savings habit and savings are the life-blood of the Credit Union. An adult member must keep a minimum of £5 in his/her share account. If the share balance falls below this, the account must be closed. A junior member must keep a minimum of £1 in his/her share account.

What do I need to join?

Clackmannanshire Credit Union is legally obliged to check the identity and address of every applicant. All applications for membership must be accompanied by two forms of identification and joint applicants must produce two documents* for each applicant. One piece of evidence is needed to prove identity e.g passport, photo driving licence, signed bank/credit card, etc. A separate document* is needed to verify the address of each applicant and this document must be dated within three months of the date of application e.g. Utility bill, phone bill (but not a mobile-phone bill), Council tax letter, etc.

N.B. *Original documents only - Photocopies of documents are NOT acceptable.

There is a joining fee of £2 for adult members – there is no joining fee for Junior membership.

How safe are savings with Clackmannanshire Credit Union?

Your money is absolutely safe with Clackmannanshire Credit Union. All deposits with the Credit Union are backed by the same Government guarantee that applies to savings with banks i.e. £75,000 for each account holder. Joint account holders have a guarantee of £75,000 each.

We are regulated by the Prudential Regulation Authority(PRA), approved by the Financial Conduct Authority(FCA) and must make regular returns to them to verify our financial health.

Where can I get an application form?

Forms can be downloaded and then printed.(see below) You may also obtain application forms in person at our offices at 8 Bank Street, Alloa, FK10 1HP.

Choose from an Adult member, Joint Adult members or a Junior member.

Completed forms should be returned to our office at 8 Bank Street, Alloa, FK10 1HP, along with necessary documents and the minimum sum needed (£7 for adults, £1 for juniors).

Application forms

Here are the application forms which you can download and print out. These forms are in pdf format.

Adult member

Joint adult member

Junior membership

Corporate membership

Should you apply and become a member, you may find it convenient to save with the Credit Union via a regular standing order from your bank account. If that is the case then all you need to do is download and fill out the Standing Order Mandate form, and give it to your bank.

A copy of the Clackmannanshire Credit Union rulebook can be obtained here, or if you require a paper copy contact us. (£5 fee applies)

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