1st Alliance (Ayrshire) Credit Union

01294 557123

About Us

A Credit Union is a co-operative financial organisation that is owned and controlled by a group of members with a common affiliation (or bond) such as all working for the same employer or particular group of employers or all living within a particular area. Members of Credit Union collectively pool their savings and make loans to each other at low rates of interest. The Credit Union in turn can pay out a regular dividend on savings, and offers a unique and flexible range of financial services to members.

Each member of the Credit Union has an equal say in the running of the Credit Union, regardless of how much they saved. Credit Unions are dedicated to providing excellent member services as well as to ensuring the financial welfare of members,rather than merely make a profit. As such, Credit Unions strive to provide a personal, fair and safe place for members to save and borrow.

UK Credit Unions, like banks and other financial institutions, are  authorised by the Prudential Regulatory Authority (PRA) and Regulated by the Financial Conduct Authority (FCA). Key members of staff and board of directors involved in the running of the Credit Union must be approved by the FCA. The performance of each Credit Union is monitored on an ongoing basis with regular Board reviews, and reporting required to the PRA and the FCA.

Today, there are over 600 registered Credit Unions in the United Kingdom, which provide a valuable and unique service to over 300,000 members. Worldwide, Credit Unions operate in 97 countries around the world, serving over 172million members.

  • 1st Alliance (Ayrshire) Credit Union was founded in April 2004 from the combined strengths of Stevenson Credit Union and Kilwinning Credit Union.
  • 1st Alliance covers the whole of Ayrshire, anyone living or working in the county can become a member.
  • We are not –for-profit financial cooperative owned and controlled by our members, managed and staffed by local people, with a strong voluntary element.
  • We strive to offer tailored financial solutions to our member

Our Vision Statement


Our Values

Financially secure working in partnership to plan for our future.

Individuals are treated with respect, dignity and understanding.

Responsive to the needs of our members.

Services delivered locally, providing good value and flexibility.

Trust, honesty and confidentiality are fundamental.


Suggestions & Complaints

We strive to provide our members with excellent service at all levels. If we have failed to meet your needs and you would would like to make suggestions or complain about any aspect of our services then:

  • In the first instance we would like the opportunity to fully resolve the issue, please discuss your complaint with a member of our Staff.
  • If there is no resolution then a formal complaint can be made in written to: The Manager, 1st Alliance (ayrshire) Credit Union, 147 main street, Kilwinning, Ayrshire, KA13 6EQ.
  • You can if no resolution is found take your complaint to the Financial Ombudsman Service: http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Credit Union Latest News

Latest News

Weekend maintence

October 10th, 2016

Due to maintenance scheduled on the C0-op bank this weekend, we will be unable to pay any money out on Saturday, via the bank. Please call the office to arrange for a cash withdrawal.

Register For Online Access

Loan Calculator

Alliance (Ayrshire) Credit Union now offers our members online access to their accounts. To avail of this new service please register using the link below.

Register For Online Access Now

Log-In To Online Access

Online Access

If you have already registered for online access you can log-in to your account by clicking on the link below. Ensure that you have your username, PIN number and password before proceeding.

Log-in to Online Access