About us

About us

A financial cooperative, owned and controlled by our members

About us

Ayrshire Credit Union is a financial cooperative, owned and controlled by our members.  We offer financial services to suit your needs, operating on the principle of a common bond.

Our History

Our Credit Union was established in 1994 by a small group of volunteers.  It was originally registered as Kilmarnock Co-operative Credit Union and open for 2 hours per week.  In 2012 we extended our common bond to serve anyone who lives or works in Ayrshire and changed the name to Ayrshire Credit Union to reflect the community which we serve.  We are now open 5 days per week and are still primarily run by volunteers including our volunteer Board of Directors. We currently have excellent town centre premises in Kilmarnock.

What is a credit union?

  • A Credit Union is a community savings and loans co-operative.  Members pool their savings to lend to one another.  Members own the credit union.
  • A responsible alternative source of savings and loans run for the benefit of members, not external shareholders.
  • If there is a surplus at the end of the trading year the credit union may pay a dividend to members.
  • Credit unions aim to help you take control of your money by encouraging you to save what you can, and borrow only what you can afford to repay.

Are you eligible to join?

Find out about our 'Common bond'

Find out more

We welcome you to our credit union

Find out more

If you live or work in Ayrshire, you are eligible to join Ayrshire Credit Union. Your whole family will be welcome in our community and can benefit from membership of the Credit Union.

With a service that makes saving effortless; that offers fair and responsible loans and has built-in no-cost loan and life insurance, joining Ayrshire Credit Union will be the best decision you'll make this year.

I wanted a guitar. It was easy to come into Ayrshire Credit Union to put all my Christmas and Birthday money into my Junior Shares. When I had enough it was, no problem going to take it back out. Thank you, Ayrshire Credit Union, for making saving easy.

William, 12, Kilmarnock
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