Scotwest Credit Union offers a range of financial products and services to anyone who lives or works in the West of Scotland*.  As a financial co-operative, anyone opening a savings account, taking out a loan or a mortgage with us becomes a member. Full membership of the credit union begins at age 18.  Between the ages of 16 and 18 you will be classed as a Young Member.

Joining Scotwest is simple and straightforward. You can apply to become a member if you:

  • live or work within the West of Scotland*
  • work for one of our named employers
  • are a Young Scot Card Holder

*This includes: Argyll & Bute, East Ayrshire, East Dunbartonshire, East Renfrewshire, Glasgow, Inverclyde, North Ayrshire, North Lanarkshire, Renfrewshire, South Ayrshire, South Lanarkshire and West Dunbartonshire.


There are a number of ways that you can apply for membership to save or borrow with Scotwest:

Apply onScotwest Online Bankingline

The quickest and easiest way to join, save and borrow from Scotwest! Simply complete our Online Membership Form letting us know how you would like to save and/or borrow with us and we’ll do the rest!

Fill out our Online Membership Application Form now.

Apply over the phone

If you would prefer someone to guide you through the application process you can call our Member Enquiry Line on 0141 227 2390 and one of our Member Service Advisors will be happy to take your application over the phone.


Apply by post

You can download an application form for completion and return it to Scotwest at the address at the foot of this page. Please note before printing: these applications include our terms and conditions and run to 11 pages.


For employees of organisations currently offering Payroll Deduction facilities, please download and complete this payroll deduction version of the membership application form.

If you are unsure whether you employer offers payroll deduction you can check here: Our Select Employer Partners.

For individuals wishing to join Scotwest and manage their account via Direct Debit, please download and complete this Direct Debit version of the membership application form.

Apply in person

We can assist you at the Scotwest office with any questions you may have about your membership or general enquiries. You’ll find the address at the foot of this page.



At Scotwest we automatically confirm applicant’s identities. However, in the event that we are unable to do so, applicants will be required to present two forms of identification, one from each of the two tables here.

Before applying please read our Membership and Account Terms and Conditions