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.

Payroll Deduction or Direct Debit

If you are employed by one of our Select Employer Partners then regular savings or loan repayments would be made by payroll deduction. This means Scotwest will organise with your employer for your chosen savings or loan repayment amount to be taken straight from your salary or wages each payday and forwarded to your Scotwest account.

If you are not employed by one of our Select Employer Partners you can manage your Scotwest account by Direct Debit. Simply choose the amount you wish to save along with your preferred frequency.

To join Scotwest you will need to complete a membership application form.  There are a number of ways that you can do this:

Apply online

Opening a savings account and becoming a member of Scotwest is easy. Working through the sections of our Online Membership Form will help us to gather the information we need about you, the savings account(s) you would like to open and how much you are looking to save.

If you are looking to apply for a loan at the same time as applying for membership, please call us on 0141 227 2390 between the hours of 8.30am-5pm Monday to Thursday or 8.30am-4pm on Fridays. One of our Member Services Advisors will take your combined application over the phone,

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.


Before applying please read our Membership and Account Terms and Conditions