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Membership

Find out if you’re eligible to join the NHS Credit Union, what you’ll need handy when you’re ready to join, and what steps we take on your membership journey.

Who can join?

Under the terms of the NHS Credit Union Common Bond, membership is open to people living or working for or contracted by the NHS, anywhere in Scotland or the North West, North East, or Yorkshire and Humberside Regions of England.

NHS Credit Union common bond serves members who:

  • Work in NHS Scotland, North England, Yorkshire & Humberside Regions.
  • All Scottish Health and Social Care Partnerships
  • Provide regular contractual services to the NHS
  • Employed in the Care Sector or Third Sector organisations who receive funding from the NHS
  • Receive a pension from being employed in on the categories above
  • Have previously been a member of NHS Credit Union
  • Live in the same household as a member of NHS Credit Union and you are 18 years or older.
Join and Save

Your membership journey

What happens next?

We’ve made joining simple. Here’s what happens from your application to you account being active. 

Good to know

We’ll keep you updated at every step. If we need any more documents from you, we’ll message directly on Nivo

1

Apply Online

Complete your application on Nivo. We'll confirm we've received it.

Instant

2

Download Nivo

Download Nivo our fully secure App. This allows us to share and sign documents.

1 Day

3

Our Review

We'll check all your details and carry out checks. If we need anything more we'll contact you via Nivo.

1-3 Days

4

Membership Active

You'll receive your welcome letter and membership number now you've joined NHS Credit Union.

Up to 1 Day

5

Our Review

Save regularly, apply for loans and make the most of your benefits.

Ongoing

Documents to have ready

To help us process your application quickly, please have the following ready to upload with your application.

Photo ID

Passport or UK Driving Licence.

Proof of Address

Utility bill, bank statement or council tax bill (within the last 3 months)

Proof of Income

Most recent payslip (or other income document)

Joining Fee

£5 on-off payment (we’ll deduct this from your first deposit)

Your Savings Options

Join & Save

Regular Savings Account

Your Regular Savings Account is opened automatically on joining with the credit union. Deposits to your account can be made easily through payroll deduction or direct debit whichever suits you best, members can save as little as £5 monthly to enjoy great benefits.
Open an Account

Instant Access Savings

Members who like to save in pots. Can open an instant access savings account in addition to a regular savings account. They can also transfer money between accounts, and split deductions between Regular Savings and Instant Access accounts.
Open an Account

Children & Young People

Children & young persons savings are managed by the adult member who opened their account. Deposits can be made through payroll deduction or direct debit. Once they reach 18years, the account can be transferred into an adult account with NHS Credit Union.
Open an Account

Festive Savings

By opening an annual Festive Savings Account, members can plan for all their festive goodies and enjoy a debt-free time with family and friends.
Open an Account

Vault Savings

Vault savings make your money work harder for you, NHSCU offer short term investment with fixed rates throughout the year.
Open an Account

Start Saving Today

If you are saving for a purpose or just for a rainy day, getting start is so simple, by Payroll Deduction or Direct Debit.
Join & Save

Protection for your money

Your eligible deposits with the NHS Credit Union are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Any deposits held above the limit are unlikely to be covered.

Please click here to read “A guide to the Financial Services Compensation Scheme” or visit www.fscs.org.uk.

Need help? Contact the NHS Credit Union team today.

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