First Choice Credit Union is a membership-based, voluntary run, not for profit, savings and loans co-operative. This means that to join a credit union and become a member you must either live or work with in our common bond area.

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Members deposit their savings which are called 'Shares' and can apply for low cost loans. 

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Each member receives one vote at our AGM, so whether you have £75,000 in savings with us or £5 you will have an equal say in how your credit union runs. Our AGM occurs annually in December where members vote to elect the board of directors who will govern the credit union. Members will also receive information about how much interest has received and what the costs incurred. From this First Choice are able to then offer a dividend to all it's members.

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