Latest News

31 Jan 2024

Platinum Award

We’re so excited to share this news with you – we've won a Feefo Platinum Trusted Service Award for our customer service in 2024!  

26 Jan 2024

January 2024 Newsletter

Click our link to read about our debt consolidation loans, up-and-coming AGM, and much more.

25 Jan 2024

1st Class and Local MSP

Thank you to MSP Claire Haughey for meeting our staff team in our new Rutherglen base office.

23 Oct 2023

October 2023 Newsletter

Read our latest newsletter to find out more about our recent office move, our 1st Class Discount Club, Christmas Loans, and more.

20 Jul 2023

July Newsletter

In our latest newsletter members can read about our recent milestone of 10,000 members, Loan Agency of the Year Award, attending Civil Service Live, and a farewell to long-serving staff members. 

03 Jul 2023

10,000th Member Story

We were thrilled to be able to get in contact with our 10,000th member, a 31-year-old employee of HMRC.

27 Jun 2023

Co-op Fortnight Campaign Article

We recently teamed up with Cooperatives UK and Reach PLC to bring an article to their Business Live page highlighting 1st Class Credit Union for the UK-wide campaign, Co-op Fortnight.

Join Us

Become a Member

Become a Member

By joining 1st Class Credit Union you are joining a credit union that puts you 1st. We serve our members by providing a safe and secure place to save their hard-earned money while providing access to affordable loans. Our members have a say in how we do things by completing our regular surveys and attending our Annual General Meeting.

Join via our Mobile App

Join via our Mobile App

Join directly through our Mobile App. All you have to do is download to take full advantage of joining as you go.

Join via our website

Join via our website

Join via our website. Fill out and submit an Online Membership Application and a member of staff will follow up to finalise your membership.

Our common bond covers

An individual who is a member of the following organisation:

  • The Communications Workers Union (CWU).
  • The Public and Commercial Services Union (PCS).

An individual who is otherwise associated with the above trade unions through:

  • Their employment within the Civil Service.
  • Following the same occupation as the above individuals.
  • Being in receipt of a pension as a result of being previously employed by either CWU or PCS.
  • Is employed by an organisation that receives trade union representation by either CWU or PCS. This includes organisations such as The Royal Mail Group, BT, EE, HMRC, DWP, NHS England & Wales, Government Agencies, and more.

Family membership:

  • An individual who is related to and resides at the same address as a Credit Union member, who falls directly within the common bond specified above.

Why Join?

Members of our credit union enjoy many benefits, including:

Access to loans up to £20,000

Save money on daily purchases through our 1st Class Discount Club. Save in stores such as ASDA, Tesco, Costa, and much more.

Account covered by the Financial Services Compensation Scheme

Annual Dividend paid on savings (subject to surplus)

The right to vote on decisions which affect your Credit Union at our AGM

Joining more than 10,000 members who are currently helping one and other

Access to your account 24/7 online and through our Mobile App

Save specifically for Christmas with our Christmas Club Account

Terms & Conditions

During your membership of 1st Class Credit Union, all members must follow the terms and conditions set out by the credit union. These must be agreed to before you can join our credit union. Please see below:

  1. A Share Account can be opened by completing a Membership Application. If further identification is required to open your account, we will contact you accordingly.
  2. To take full advantage of our products and services, you must have an active account with a minimum share balance of £5.00.
  3. Your membership will commence from the date of the first deposit via payroll deduction or direct debit.
  4. The minimum savings required by members is £4.00 weekly or £16.00 monthly.
  5. An annual dividend will be paid into your share account, subject to surplus, on all sums deposited. Dividend payments are gross of tax. The rate at which the dividend is paid is determined at the Annual General Meeting.
  6. If you wish to terminate your membership you can do so by requesting the relevant paperwork from the office. Any available shares will be paid to you on the closure of your account.
  7. An annual membership fee of £5.00 will be deducted from your share account before the financial year-end in September. Should you close your account during the financial year, the £5 fee will be deducted at that time.
  8. It is your responsibility to inform us of any changes in your personal details.
  9. We have the right to cancel your membership if we believe you have fraudulently acquired membership/services from us.