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Available Services


Saving with North Coatbridge Credit Union


Both adult and junior members have various ways in which they can make deposits to their Credit Union account.

  • You can call into the office and make a cash or cheque deposit.  All cheques should be made payable to North Coatbridge Credit Union Ltd

  • You can set up a standing order to deposit funds into your account weekly, fortnightly or monthly, depending on what suits you and which frequency your bank accept.

If you pay manually at the office, you will always receive a receipt with your new share balance.

If you pay by any of the other methods you can apply for a PIN to keep track of your account online.  For more information regarding a PIN, please see the About your PIN section.

Alternatively you can pop in or telephone the office to request a statement of your account at any time.


Borrowing from North Coatbridge Credit Union


Loans are only available to members who are aged 18 or over.   All loans are based on share to loan ratio, length of membership and the ability to repay.  No loans are guaranteed and it can take up to one week for a decision to be made on a loan application.

PLEASE DO NOT COMMIT YOURSELF TO ANY PURCHASE BEFORE YOUR LOAN HAS BEEN APPROVED

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Applying for a Loan

  • Online - If you have a PIN you can login to the members section and apply online.
  • In Person - You can call into the office during opening hours to speak to a loan officer.

Borrowing Guidelines

  • For the first three months of membership, members may apply for secure loans only
  • For the following three months of membership, members may apply for 300 on top of their share balance
  • After six months of membership, members may apply for 3.5x their share balance.

Loan Officers will consider all applications made and may subject them to credit checks.  Applications may be referred to the Loan Review Board, which can take up to seven days for a decision to be made. 

Collecting Your Loan

If you loan has been approved and is ready for collection you must bring two forms of identification with you.

Without this information your loan will not be paid out.

You will require:

  • One form of photographic identification, such as a passport or driving licence.  We will also accept: bus pass, works pass, student cards.
  • One form of address identification, such as a recent utility bill or bank statement.  This must contain your name and address and must be dated within the last three months.

If you require any further information regarding applying for a loan, please contact a member of staff at either of our offices.

 

 

Authorised by the Prudential Regulation Authority and Regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Registration Number 213786.
© 2013 North Coatbridge Credit Union Ltd. All Rights Reserved.

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