By joining 1^st Class Credit Union you are joining a credit union which puts you 1st. We serve our members by providing a safe and secure place to save their hard-earned money while providing access to affordable loans. Our members have a say in how we do things by completing our regular surveys and attending our Annual General Meeting.

To join our credit union, you must either:

• Work within the Royal Mail Group
• Work within any Government Agency, ie. DWP, HMRC, DVLA, MOJ and many more
• Work within the Public and Commercial Services Industry
• Work withing the Communication Industry
• Be a member of either PCS or CWU Trade Union
• Be a family member residing at the same address as an existing member

Being a member of our credit union comes with a host of benefits, such as:

• Access to loans up to £20,000
• Free Life Cover and Loan Protection
• Account covered by the Financial Services Compensation Scheme
• Annual Dividend paid on savings (subject to surplus)
• The right to vote on decisions which affect your Credit Union at our AGM
• Joining more than 10,000 members who are currently helping one and other
• Access to your account 24/7 online and through our Mobile App
• Save specifically for Christmas with our Christmas Club Account

During your membership of 1^st Class Credit Union all members must follow the terms and conditions set out by the credit union. These must be agreed to before you can join our credit union. Please see below:

1. A Share Account can be opened by completing a Membership Application.  If further identification is required to open your account, we will contact you accordingly.
2. To take full advantage of our products and services, you must have an active account with the minimum share balance of £3.00.
3. Your membership will commence from the date of the first deposit via payroll deduction or direct debit.
4. The minimum savings required by members is £3.00 weekly or £15.00 monthly.
5. An annual dividend will be paid into your share account, subject to surplus, on all sums deposited.  Dividend payments are gross of tax.  The rate at which the dividend is paid is determined at the Annual General Meeting.
6. If you wish to terminate your membership you can do so by requesting the relevant paperwork from the office.  Any available shares will be paid to you on the closure of your account.
7. An annual membership fee of £3.00 will be deducted from your share account before the financial year end in September.
8. It is your responsibility to inform us of any changes in your personal details.
9. We have the right to cancel membership if we believe you have fraudulently acquired membership/services from us.