SCVO Credit Union is Scotland’s leading voluntary sector credit union. We offer low cost loans, easy savings facilities, payroll deduction and quick bank transfers.

So what makes us different from high street banks and building societies? It’s simple – our ethos. We are a co-operative, accountable only to our members. In other words, our members come first.

We make sure you know where you stand. We give full and clear explanations of all our services, there are no hidden costs, and surplus Credit Union profits are returned to members in the form of a dividend.

Our service is available to anyone who is a regular volunteer, or employed by an SCVO member organisation, their partners and family members resident at the same address.

• You can save via your company payroll (by prior arrangement) or Direct Debit
• There are no arrangement or early / partial repayment fees
• Free life insurance (subject to conditions and limits)
• Your resident family members can also join and receive the same benefits as you
• We offer a warm and friendly help-desk service to assist you with any enquiries

The example below shows a typical borrowing on £1000 at 1% per month (APR 12.68%) on the reducing balance.

Amount borrowed	Period	Your monthly repayments
£1000	over 12 months	£88.85
£1000	over 24 months	£47.07
£1000	over 36 months	£33.21

Calculate your own Credit Union loan

Would you like to find out more?
Download a pdf Guide to the SCVO Credit Union

Do you want to join the SCVO Credit Union?
Download a pdf Application Form

Do you want your payments to be automatically deducted from your monthly salary?
Download a pdf of the Payroll Deduction Form

Do you need a loan?
Download a pdf of our Credit Union Loan Application Form

Do you want to withdraw some of your savings?
Download a pdf of the Credit Union Share Withdrawal Form

Do you need to set up or amend your Direct Debit details?
Download a pdf of the Credit Union Direct Debit Form

Have you moved house or changed your personal details?
Download a pdf Credit Union Change of Details Form

Contact us:
Tel: 0131 474 8003
Email: credit.union@scvo.org.uk

SCVO Credit Union
Mansfield Traquair Centre
15 Mansfield Place
Edinburgh
EH3 6BB

FSA Registration No: 21388 & CU No: 135(S)
Individual member savings are protected up to £50,000 by the Financial Services Compensation Scheme (FSCS).