Manage your money.
Plan for your future. We’ll help.

About Us

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.

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.

Our Services


Ayrshire Credit Union offers affordable loans to its members

Whether you are looking to save towards a family holiday, get access to affordable credit to buy a new household item, or simply want somewhere to receive your benefits each week. 


Save today for a better tomorrow

Saving with Ayrshire Credit Union is effortless, reassuring (due to built-in insurance) and prepares our members for when they choose to take out a loan with us.

Mobile App

It’s here!

Now available to download from your app store!

Check your balances on the go! We’re still doing Beta testing on it’s functionality, but the app will let you know as each function goes live. Available from Play Store & Apple Store.


We love our volunteers

Volunteering is a great way to make a difference and gain experience. We have a range of positions available

“I like to volunteer because it gets me out the house. I feel as if I am still of value. I enjoy meeting people and working with the different staff. There is a variety of different tasks I can do, and I am being trained to do. I have picked up numerous computer skills and I have learned a lot more about interest rates.”

Mary, Kilmarnock