Credit Union

At SCVO’s Credit Union, we put our members first. As the leading voluntary sector credit union in Scotland, we offer low cost loans, savings facilities and quick bank transfers, providing an easy, ethical way to borrow money. Find out more in our FAQs or contact the team on 0131 474 8003 or

Office opening hours
Monday to Thursday 9.30am to 4.00pm
Friday 9.30am to 12.00pm

Where possible saving withdrawals made before 11am should be available in members own bank accounts by 2pm on the same day.

Member Loan applications will be dealt with as quickly as possible and to speed up this process member should include all the relevant documents before applying. Please check loans policy before applying.

New member application forms.

“The sharp rise in people joining credit unions is encouraging, as is the increasing number of private and public businesses. “We are also working hard to raise the profile of credit unions, which provide ethical and affordable financial services for those who need them.” – Scotland’s First Minister – Nicola Sturgeon, 21st December 2017

“The good thing about Payroll deduction is once the first payment comes off you tend to forget about it. Before you know it you’ve got savings you wouldn’t normally have had. You can apply for a loan by filling out a form or withdraw your saving by phone. I have been with the Credit Union for 9 years and would not hesitate recommending it.” – Stan Pearson – SCVO Credit Union Member (Crossreach Community Care)

CU registered no. 135CU(S) | FSA registered no. 213888 | Category ‘F’ Consumer Credit Licence held

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (Registration No: 2138) (CU No: 135(S). Your eligible deposits with SCVO CU are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. Any deposits you hold above the £85,000 limit are not covered

Financial Conduct Authority
Page last modified on 23rd January 2020