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, only a birth certificate is required. For adult membership, you need to provide two forms of identification, one to confirm who you are and one confirming your current address, plus your National Insurance number. A current passport and driving licence with an up to date address on it are ideal but a benefits letter, a utility bill or bank statement (dated within the last 3 months) or a mortgage or rent statement/card should suffice. If you live outside the common bond area but travel in to work you may also need evidence of this, for example, a recent payslip. Your local credit union will have a list of suitable forms of ID.

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 Durham you could be a member of one of the Durham credit unions, but you could also be a member of a Middlesbrough credit union if you work in Middlesbrough. 

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

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