Free Life Savings Insurance
Life savings insurance is provided at no extra cost when you save with us, paying a lump sum on your savings when you die (subject to terms and conditions. Certain restrictions apply. Ask us for details)
Quality Service
You are assured of professional service from the Credit Union at all times. And you do not pay a transaction fee for saving with us, or borrowing money. The only fees the Credit Union apply are – Joining fee £2.50; Annual Membership fee £3.50 and for all Faster Payment withdrawals a nominal charge of £0.30 applies per transaction.
Member Services
Take advantage of additional member services, see our Services page for more details. Or ask any staff member for more details about joining the Credit Union
Flexible & Convenient Loans
Members may be able to borrow straight away using our Discovery Loan or save for 9 weeks to borrow a larger amount at a lower rate with our Standard Loan (link). All our loans are fully insured (for free), against disability or death (T&C’s apply)
Temporary Suspension of JOIN and BORROW applications - 1 November 2024 to 6th January 2025.
From 1st November 2024 until 6th January 2025, we will not be accepting loan applications from new members joining Discovery Credit Union and looking to borrow from Discovery Credit Union for the first time, as JOIN and BORROW applicants.
This also applies to all existing members, who have no previous loan history with Discovery Credit Union and have not made regular savings contribution prior to 1st November 2024.
We welcome all members joining Discovery Credit Union, new applications to join will continue to be accepted, applicants are encouraged to make regular savings contributions between 1st November 2024 and 6th January 2025 and loan applications may be considered after the 6th January 2025.
This does NOT affect members with past loan and regular savings history.
- You live or work (paid or unpaid) in post codes DD1 to DD11.
- or, you are a tenant or an employee of a local social housing association such as Perth & Kinross Council, Fife Council, Hillcrest Group etc...
- or, You are an employee of one of our employer partners.
- You live with, and are related to a current Discovery Credit Union member.
- Submit application to join here or complete a Membership Application Form and return to our office
- Make an initial deposit of £7.50, which covers
- Initial joining fee of £2.50
- Initial deposit - Minimum initial £5.00 savings deposit.
We use a Digital ID system to verify your identity. On occasion, we may ask you for Two forms of acceptable ID - First document to prove your name and address and the second document to prove name and either address or date of birth.
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