Join the Pennyburn
Credit Union family

Members’ benefits

Peace of mind for our members

Enjoy peace of mind with Life Savings, Loan Protection, and Death Benefit Insurance—all at no extra cost to members.

Members first with a personal touch

Your needs come first at Pennyburn Credit Union. With a warm, personalised approach, we prioritise what matters to you, ensuring our service is centred around your goals—not profit.

Instant, 24/7 access to your savings with your PCU Card

Access your savings anytime, anywhere with 24/7 convenience. You’re always in control.

Become a member

Join the rest
of our members!

Becoming a member of Pennyburn Credit Union connects you to a community dedicated to your financial well-being, offering various financial services, including savings and loans, with the support of a community-focused credit union.

Ready to join Pennyburn Credit Union? Click below to complete the form or call into the branch for more info.

Apply today

Members

Eligibility

For our Adult Members Eligibility

Becoming a member is easy! Anyone aged 16 and above can become a member of Pennyburn Credit Union so long as you live or work in the BT47 or BT48 postcode areas. Plus, if you share your home with anexisting member, you can join too.

For Our Junior Members Eligibility

Our Junior Account caters to children from birth until their 16th birthday, encouraging early savings habits. Remember, a legal parent or guardian must open the account, ensuring the child’s savings journey starts on the right foot! Once they turn 16, they’ll transition to an adult account with even more benefits.

Steps to join

Joining as an adult

  1. Fill out the Membership Application form online or visit us to get started.
  2. Bring a valid photo ID and proof of address (dated within the last 3 months) to either of our offices to verify your information.
  3. Activate your account with a £1 joining fee and a minimum deposit of £5.
  4. Receive your passbook—your guide to tracking savings and transactions. Watch your progress and celebrate each milestone along the way!

Note: You can express your interest online, but any required forms must be completed in person at our office.

Apply Now

Joining as a junior

  1. Fill out the Junior Membership Application form in person. If the child is seven or older, they’ll add their own signature—a special milestone in their savings journey!
  2. Bring required documentation: Please provide the child’s long-form birth certificate or legal paperwork. The parent or guardian opening the account must also bring a photo ID and proof of address.
  3. Get started with a minimum deposit of just £1 to kick off your child’s savings.
  4. Begin their savings journey—their future starts here!
Apply Now

Don’t take our word for it.

Take theirs.

C McBride

Member since 2022

"I joined Pennyburn Credit Union last year. I don’t really have any family for support, and when I joined Pennyburn Credit Union, they helped me out with so much. My health started declining, and I was having seizures daily and couldn’t afford an MRI, but Pennyburn Credit Union helped out, and I’m now on the right road, on proper treatment for my condition, and probably wouldn’t been able to if it wasn’t for Pennyburn Credit Union. Thank you for always being supportive and helping me out during hard times in my life."

J Doherty

Member since 1998

"I can almost chart my life’s ups and downs through the pages of my Pennyburn CU book. From money for concerts and holidays in my 20s to cars, more holidays, and then a pram, it has included helping Santa, a new sofa, and eventually a wedding dress. I can even include graduation shoes in that list. Every step of the way. The best book I have ever opened."

A Hutchison

Member since 2012

Nothing but brilliant experiences with Pennyburn Credit Union. The staff genuinely care about their members. Thank you, thank you, thank you for being there the last 40+ years for me personally! A credit to our city!

A Wilson

Member since 1988

Pennyburn Credit Union is a pleasure to visit. All the staff are very attentive and willing to help wherever needed. I must give a special shout out to Michael as he has definitely gone above and beyond to help me when I needed it so well done everyone, great bunch!

E O’Kane

Member since 1995

"I joined Pennyburn Credit Union not long after I moved here. With three children, the Credit Union was amazing and always willing to help out no matter what. I will be forever grateful. Three years ago, they helped my son buy a car, which is still on the road."

Our Community. Your Credit Union

Pennyburn Credit Union in your pocket

Access your account anytime, anywhere

Pennyburn Credit Union App Mockup
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Have any questions?

Whether you’re curious about the loan process or how to become a member, we’ve got you covered. Check out the answers to the most frequently asked questions from our members. If you can’t find what you’re looking for, don’t hesitate to contact us.

Am I eligible to become a member of Pennyburn Credit Union?

You are eligible if you live or work in the BT47 or BT48 postcode areas.

What documents do I need to join?

• Proof of address (dated within the last three months)
• In-date Photo ID (i.e. Passport, Driving license, Electoral card etc.)
• Proof of employment (only if you work in the area but do not live in the area
(BT47 and BT48)

What are the benefits of being a member of Pennyburn Credit Union?

At Pennyburn Credit Union you’re more than just a member—you’re a part-owner. You can save, apply for flexible loans, and earn dividends on your shares. Plus, with our new PCU card, you’ll have 24/7 round-the-clock access to your available savings 365 days a year at our exclusive ATM. We also provide peace of mind through services such as Life Savings Insurance, Loan Protection Insurance and Death Benefit. With a focus on personal service, supporting our community, and ethical lending. We stand by you every step of the way offering financial solutions that work for you.

I’m a member of another Credit Union but I live within your common bond, can I still join if I’m a member elsewhere?

Yes, you absolutely can. You can be a member of more than one Credit Union.