How we can help...
How we can help...
At Wishaw Credit Union, we’re more than just a financial institution – we’re a community. As a member-owned cooperative, we help you save, borrow, and build a brighter financial future. Whether you’re looking for a safe place to grow your savings or need a fair, affordable loan, we’re here to support you every step of the way.
Provide a loan
If you need a loan to improve your home, buy a car or just some money to get by for now, we can help.
We are a community organisation with no shareholders so provide great rates to anyone that qualifies.
Start saving
Put a little by each month for Christmas, a rainy day or even something special like a lovely holiday!
Your savings are just as safe and regulated like any bank and brings peace of mind knowing you have something put by.
Try our sample loan calculator
This summary is for illustrative purposes only, actual repayments and interest may vary slightly. The example is to give you, the borrower an overview of the potential cost of borrowing. For more information, please contact our office by emailing enquiries@wishawcu.co.uk
Frequently asked questions
What is a Credit Union?
A credit union is a community-owned financial cooperative. We’re run for people, not profit which means fair loans, safe savings, and support for our members. Any surplus goes back into improving services, supporting our community, and sometimes sharing a dividend with members.
At its heart, a credit union is about people helping people.
How do I join Wishaw Credit Union?
Join online or in person with:
- £2 minimum deposit and £5 annual service fee
- Two forms of ID: photographic ID (passport, driving licence, bus pass) and proof of address (utility bill, council tax within 3 months)
How do I become a member?
Open to those who live/work locally, belong to a local group, or have a family member already a member.
Just fill out our application form or contact our office.
What benefits do members receive?
- Safe, flexible savings accounts
- Fair loans with clear terms
- Loan & Life Savings Protection via CUNA Mutual
- Protection under the Financial Services Compensation Scheme (FSCS)
Am I eligible for a loan?
Must meet lending criteria and show repayment capacity
For all loans, your Build and Borrow account (share 1) may need to cover the balance, and you cannot withdraw savings if your loans exceed your shares
No loan is guaranteed—don’t spend before it’s received
Can I access my account online?
Full online banking is not available, but payments can be made in person or over the phone.
Do you offer financial advice?
We don’t provide advice but can direct you to trusted financial services here.
How can I make a payment?
Payments accepted in person or over the phone securely.
Can I remain a member if I move away?
Yes – membership continues if you meet the requirements.
How can I close my account?
Contact us directly – we’ll guide you through the closure process.
