My Credit Union Renfrewshire is here to help you make an informed choice about joining a credit union and to assist you to find the credit union in Renfrewshire that suits your needs.

“A credit union is a ‘mutual’ organisation. This means that it is owned by its members and all the benefits are for members alone – keeping the money in Renfrewshire for the benefit of the people of Renfrewshire.”

Credit unions are not for profit organisations that offer members a variety of financial products and services based on savings and loans. This means, any money that comes into the credit union, goes straight back out to its members – we do not make any profit from the service.

Credit unions view and treat each member as an individual with a different story. This ethos, along with the understanding that each member is a vital part of the community, assists us to provide members with the most personalised form of financial support.

Credit unions have a board of directors that is made up of members. This means that any decisions made by the credit union have the members at the centre of the decision.


What we are

What we are

Credit unions often use the phrase ‘People Helping People’ as this is exactly what a credit union does. We are:

  • Not-for-profit
  • Member focused
  • Co-operative
  • Ethical
  • Friendly
  • Fair
What we are not

What we are not

  • Private companies driven by profit
  • We are not just somewhere for people to save money, we also offer highly competitive loans
  • We are not old fashioned! Credit unions continue to develop and change with their community
  • A majority of our credit unions have now become digital and you can access your accounts online!
  • Unlike banks, credit unions have no external shareholders – our members are shareholders!
Common Bond

Common Bond

There are 5 Credit Unions operating in Renfrewshire of varying sizes and offering a variety of services. These credit unions have different common bonds.

The ‘common bond’ indicates the people who are allowed to join the credit union, for example, those who live and work in Renfrewshire, or those who live in Paisley.


Common Bond

Common Bond

Gleniffer Credit Union – If you would like to join Gleniffer Credit Union, you need to Live or work in the PA1, PA2 or PA3 postcode areas.

Johnstone Credit Union – If you would like to join Johnstone Credit Union, you need to live in Renfrewshire.

Renfrewshire-Wide Credit Union – You can join Renfrewshire-Wide Credit Union if you live, work or study in Renfrewshire.

Scotwest Credit Union – Argyll & Bute, East Ayrshire, East Dunbartonshire, East Renfrewshire, Glasgow, Inverclyde, North Ayrshire, North Lanarkshire, Renfrewshire, South Ayrshire, South Lanarkshire and West Dunbartonshire.

White Cart Credit Union – Membership is open to anyone who lives, works, or studies in the Paisley area