1st Class Credit Union FAQs

Here you can see a list of our most Frequently Asked Questions organised by category. If your question is not listed, please feel free to call us on 0141 552 8408

You can only apply for a loan if you are a member of 1st Class Credit Union and have made your 1st deduction – either via payroll deduction or by Direct Debit. T&Cs Apply*

You can apply up to £20,000. The loan products we have available are Personal Loans, Premium Loans, Debt Consolidation Loans, and (Christmas Loans Oct-Dec). T&Cs Apply*

You can pay your loan by calling our office or by emailing us. If you wish to add additional funds to pay off your existing balance(s), we can email a card payment link to you or do this over the phone, please call us at 01415528408 or email us at reception@1stclasscu.co.uk T&Cs Apply*

Being a member of 1st Class Credit Union comes with a host of benefits, such as;

  • 1st Class Discount Club
  • Access to loans up to £20,000
  • Savings are protected by the Financial Service Compensation Scheme (FSCS)
  • Access to your account 24/7 online and via our Mobile App
  • Save for Christmas and Faith Festivals with our Christmas Savings Club and Faith Friendly Savings Club.

You can make a Share Withdrawal over the phone by calling our office at 01415528408, online via our Members Area Login at https://secure.1stclasscu.co.uk/login.asp or our Mobile App.

You can withdraw your shares via our mobile app or over the phone by calling our office. Please note, you can withdraw or transfer savings as long as your savings remain at least the amount of your outstanding loan balance. T&Cs Apply*

If you are paying by payroll deduction, you can remain a valued member of 1st Class Credit Union by paying via Direct Debit. Please contact our office on 01415528408 for more information.

If you are struggling to keep up with your payments, please contact creditcontrol@1stclasscu.co.uk or visit our website: https://1stclasscu.co.uk/contact/support-centre we are here to help you.

Please contact our office to get a new Pin or visit https://1stclasscu.co.uk//Lost-Your-PIN

We aim to get a decision to you as soon as we can, please allow a few days unless it's during our busier periods like Christmas when it can take longer and up to 7 business working days.

If you are paying weekly via payroll deduction, the minimum savings per week is £3.00. If you are paying
monthly via payroll deduction or by direct debit, the minimum savings per month is £15.00.

We offer a started savings Share 1 account, and you can have sub-savings accounts such as our Share 3 Christmas Savings Club and Faith Friendly Savings Account.

All members incur a £5 annual fee to help towards the credit union administration costs throughout the year. This fee is taken each September.

1st Club Discount Club gives our members exclusive access to a range of fantastic money-saving

You must be a member of 1st Class Credit Union to access 1st Class Discount Club, you can log in via
Member’s Area Login: https://secure.1stclasscu.co.uk/login.asp

You can find information on certain categories by viewing the subheading at the top of the page,
e.g., Shopping, Well-being, Insurance, Motoring, Business, Advice, and Travel.

Supermarkets, Shopping, Home Appliances, Mobile Phones, Hotels, Holiday Packages, CVs, IT
Training, Gyms, Cinemas, Eye Care, Car, and MOT Insurances and many more…

Savings Calculator: Fill in our Savings Calculator in how much you spend monthly/annually on
selective categories such as Grocery Spending, Holiday Spends, Gym Membership Spend, Car
Servicing Spend, Fashion, Electricals, and DIY spending. You can then follow the links to the individual
deals to start saving today.

Contact number: 0203 305 7483 or 0333 003 3376 and email: 1stccu@parliament-hill.co.uk

Price promise means you should be getting the best possible price/deal in the UK or the best
price/deal the company makes available.

Depending on the brand/company, you can get Redeem Codes, Discount Codes, Gift Card Savings,
money on discount club cards.

You can join by applying on our website https://1stclasscu.co.uk/join-us or by contacting our office on

You can check our 1st Class Discount Club on our website via https://1stclasscu.co.uk/join-us/1stclass-discount-club