About 1st Alliance (Ayrshire) Credit Union

1st Alliance (Ayrshire) Credit Union is a community owned financial service provider within Ayrshire.

1st Alliance Credit Union, is a not for profit financial services co-operative that is owned by its members who save and borrow with our credit union. 

We pride ourselves on offering our members a personal service that treats people as individuals and our aim is to put the needs of our members at the heart of what we do.  Our financial products and services are available to local people and 1st Alliance is a one stop local service that offers secure savings, attractive loan packages and prepaid debit cards.  We are first and foremost a member based Ethical Community Cooperative operating throughout Ayrshire.

Member Benefits

1st Alliance are an affordable community banking service


Made by members

We are owned by people like you


Ethical Savings & Loans

Credit unions are an ethical alternative to banks


FSCS Depositor Guarantee

Your money is protected up to £85,000

Are you eligible to join?

Find out about our 'Common bond'

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Welcome to 1st Alliance (Ayrshire)

Find out more

As a community owned financial service provider, we are committed to supporting local people. To become a member of 1st Alliance (Ayrshire) Credit Union you must either reside in, be employed in the locality of Ayrshire, or be a member of the same household as a member.

How can a Credit Union help you?

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). 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.

How we protect your money

Just like your high street banks and building societies, the money you deposit into your credit union account, up to £85,000, is protected under the Financial Services Compensation Scheme (FSCS). If you have a joint account you will be protected for £85,000 each.

FSCS protection is free to customers, so if anything happens to your bank, building society or credit union, and you cannot access your money, the FSCS will refund you up to the amount of £85,000.

For more information on how we protect your money please click here

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