The White Cart Credit Union is a savings & loans co-operative, not a commercial, profit-making company with shareholders. To benefit from its services, however, you must first become a member and open an account

Want to join?

We aim to: 

  • Click here or on Application Form in the list on the right to download and print the form you need to complete to become a member. You should also download and read the Membership Rules.
  • Complete the form.
  • Find two types of identification. One should be photographic (e.g. UK Passport, UK Full Photo Driving Licence not the old paper type) the other should provide evidence of your address (e.g. recent utilities or Council Tax bill).
  • Bring everything to the office, we will process your application and open your account.
  • Membership is open to anyone who lives, works, or studies in the Paisley area.
  • Membership costs only £1 and is paid when you open your account.


We offer our members a friendly service to meet their financial needs and develop a sense of community and co-operation.

The benefits of being a member of White Cart Credit Union include:

  • Access to straightforward and secure savings accounts;
  • The availability to members of loans at interest rates that are much lower than many loan providers (especially door stop lenders, pay-day loan companies and pawn brokers);
  • Free insurance coverage on savings and loans.*
  • A low-cost funeral plan with interest free payments for the first year.

*Life Insurance and Loan Protection subject to terms and conditions.

We are affiliated to the Scottish League of Credit Unions. (SLCU)

Useful Documents

You can save time when applying to join (or seeking a loan if you're already a member), if you read these documents before you come into the office. They are also useful if you want to remind yourself about our current membership rules or our lending policy.

Application Form

Junior Membership Application Form

Lending Policy

2020 AGM Papers and Accounts

How we are run and regulated

Online application is NOT possible, sorry. To prevent fraud and to safeguard members' savings, by law, we must check your identification in person when you apply. So, to save you time.

White Cart Credit Union

Are you ready to join?

Feel free to contact us via the contact page or stop by. We are located in Paisley, UK