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Tel: 01604 250016 Email:

19 August 2017
Apply For Membership

How do I Join?

We believe that joining Northamptonshire Credit Union is the best decision you could take for your money.

The easiest way to join is through our online application form. Simply complete your details and submit the form to us. We will then run an online identity check to verify your details. Please note that this is not a credit check and simply searches various databases to confirm the information you have given to us.

Alternatively, you can call into one of the local Service Points listed on the Opening Hours page, where you will be able to open an account in person.

You just need to complete a membership form (download below) and provide proof of identity (such as a passport or driving licence) and proof of address (like a utility bill or bank statement). Alternatively, if you do not have the necessary documents with you, we will run an online check to verify your identity.

As with all financial institutions we are required to obtain information from you about the country in which you are resident for tax purposes. Please therefore print and complete the Account Opening Supplementary Information sheet, available below.

We also advise you to review the Information Sheet about the Financial Services Compensation Scheme (FSCS), which protects your deposits with the Credit Union.

Once you are a member we just ask that you save from £1 a week up to whatever amount you can afford.

Northamptonshire Credit Union Central Service Point
The One Stop Shop, The Guildhall, Northampton, NN1 2QL
Tel: 01604 250016

Membership Application and Terms and Conditions 

Click to Download Download Membership Application (1104.4kb)

Click to DownloadDownload Membership Terms & Conditions (92kb)

Click to DownloadDownload Account Opening Supplementary Information (195.3kb)

Click to DownloadDownload FSCS Information Sheet (126.5kb)

  Apply online, click here.

The membership application form is a PDF document and Adobe Acrobat Reader is required to the view it. Adobe Acrobat Reader can be downloaded for free by clicking on the Get Acrobat Reader icon.

Being a Member of the Credit Union

Once you are a member of the Credit Union you are encouraged to save regularly on a weekly or monthly basis.  Some people save with a Credit Union because they use it as a Ďholiday or Christmas clubí or they just want to save for a rainy day. 

You can apply for a loan at any point with decisions being taken on the basis of your ability to repay. This means we look at more than just your credit history when considering your application.

Benefits of Membership

Membership has many benefits...

  • Low interest rates on loans, from just 1% per month (12.7% APR). This means that for every £100 you borrow over a year you could pay just £6.42 in interest.
  • The interest rate is fixed for the life of your loan, so your repayments will remain the same.
  • You are only charged interest on the outstanding balance at the time of your next payment, unlike many lenders who apply interest up front.
  • No early repayment or early settlement fees on loans.
  • Ethical, local savings, with no external shareholders to support.
  • Flexible savings from £1 a week or £5 per month.
  • Annual dividend based on surplus income shared to each member.
  • Pay money in through a local Service Point, through PayPoint card, by standing order, benefit redirection or payroll deduction (where available).
  • Save for special occasions, with each membership giving you access to more than one account.
  • Easy access to your money when you need to make a withdrawal.  
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Northamptonshire Credit Union Tel: 01604 250016 Email: Web:
Northamptonshire Credit Union is authorised by the Prudential Regulation Authority & regulated by the Financial Conduct Authority & the Prudential Regulation Authority (FRN 213810)