At Your Community Bank, we’re here to help people across Croydon, Merton, and Sutton take control of their finances by making saving easy and borrowing affordable. As a member, you’ll have access to a safe and convenient way to save, fair and flexible low-cost loans, and friendly local support that’s tailored to your needs.
If you live, work, or study in Croydon, Merton, or Sutton, you’re eligible to join our credit union. We’re built on the principle of people helping people - when one member saves, those funds help another member borrow. Any surplus we make is reinvested to improve services for all members, not to reward external shareholders. By joining, you’re choosing a fairer, more ethical way to manage your money - with a financial partner that puts your needs first.
Join today and start building a stronger financial future.
WHAT MAKES US DIFFERENT?
We have no external shareholders and only members can serve as Board directors
We encourage all members to save regularly - no matter how small the amount!
We will never let you borrow more than you can afford to repay
We charge fair and transparent interest rates with no hidden fees
WHO CAN JOIN?
You’re eligible to become a member if you are aged 16 or over and live, work, or study in the London Boroughs of Croydon, Merton, or Sutton. (If you’re under 16, please see our Junior Saver Page.)
Not sure if you're eligible? Check your postcode here - eligibility includes your home address, workplace, or place of study.
WHAT YOU'LL NEED
All membership applications, whether completed online or by post, must be accompanied by two forms of identification - one to confirm your identity (such as a passport or driving licence) and one to confirm your address (such as a recent utility bill or bank statement). These documents are required to verify your eligibility and comply with regulatory guidelines.
GETTING STARTED
To activate your membership, a £10 initial deposit is required. (£5 will be added to your savings account, and £5 will be applied as a one-off joining fee to cover account administration)
HOW TO JOIN
The quickest and easiest way to join is online. Simply start your application here and have your passport or driving licence to hand - this helps us process your application more efficiently. Once submitted, your application will be reviewed and processed within three working days.
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Prefer to apply by post? Visit our Saver Account page and download a paper application form.
OUTSIDE OUR COMMON BOND?
If you don’t meet our membership criteria, you may still be eligible to join a credit union closer to home. Click here to find your nearest credit union.