About us | White Cart Credit Union

Our Story

Supporting the Renfrewshire community since 1986 with friendly savings, affordable loans, and a commitment to putting our members first.

Founded in 1986, White Cart Credit Union began with a small group of volunteers working from a local church hall. Today, we proudly serve more than 2,500 adult and junior members across Renfrewshire from our office in the Neilston Road shopping area.

As a not-for-profit financial co-operative, every decision we make is focused on benefiting our members and strengthening the local community.

1986

Founded in Paisley

2,500+

Adult & Junior Members

100%

Member Owned

Years Supporting Local People

Our Mission

Helping People Save

Encouraging regular saving and building financial confidence.

Affordable Loans

Providing fair, responsible borrowing for local people.

Supporting Our Community

Working with schools and community groups throughout Renfrewshire.

Member First

Because we’re member-owned, our priority is people, not shareholders.

Part of the Community

We’re proud to work alongside local primary schools, helping children develop good saving habits from an early age. We also provide banking services for community organisations across Renfrewshire.

Our team believes in offering a personal service where every member is treated as an individual.

Help Make a Difference

White Cart Credit Union relies on a dedicated team of volunteers who give their time to support the local community.

If you can spare a few hours each week, we’d love to hear from you.

Become a Volunteer

Our Objectives

Reduce Financial Hardship

Helping local people access fair and affordable financial services.

Support Local Communities

Providing community banking and encouraging responsible saving.

Remain Member Led

Operating with fairness, openness and democratic values.

Safe, Secure & Regulated

White Cart Credit Union is managed by an elected Board of Directors and supported by dedicated committees overseeing lending and governance.

We are regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS), giving members added peace of mind.

Bank of England Prudential Regulation Authority

Ready to become a member?

Join White Cart Credit Union today and become part of a member-owned organisation dedicated to helping you save, borrow and plan for the future. Enjoy secure savings, affordable loans and friendly local service that’s always focused on putting members first.

Become a Member