At Newtownards Credit Union we want to encourage our members to save regularly. Whether that's putting a little money away for a rainy day or saving for something special.

We have two types of savings accounts - a Senior account for those over 16 and a Junior account for those aged 16 and under.

To open a savings account simply print off and complete the membership application form. Bring the completed form into our office along with proof of address, (eg, electricity bill) and photographic ID, (eg, driving license or passport).

Don't worry if you can't print off the application form. Just come into the office and we can provide you with one to fill in there and then.


How much can I save?

You can save any amount between £1 to £20,000.

Does it cost anything?

It only costs £3 to open a Senior account and opening a Junior account is free!

How much interest do I get on my savings?

Newtownards Credit Union is a non-profit making organisation. That means any surplus is returned to our members as a dividend on savings. Even considering the difficult economic climate, for the past 3 years, we have given our members 1% back on their savings!

Do I get a passbook?

Yes, everyone who joins the Credit Union gets a passbook. It's used to record your savings and loan repayments (if you have one).

How can I lodge money into my account?

In the office you can pay with cash, cheque or debit card or you can setup a regular standing order payment from another bank account.

Are my savings protected?

Yes, if anything happens to our Credit Union, the FSCS automatically refunds savings up to £85,000 within 7 days. For more details see

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Newtownards Credit Union Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.