Joining Manchester Credit Union has never been easier

Approved applicants usually receive their welcome email and membership account details within 1 working day of applying. Once you receive your account details, you will be able to register for online member services.

Please check our Terms & Conditions below before applying:

There is no need to worry about providing us with identification as all of our verification processes can also be carried out online*.


You can join Manchester Credit Union online if you live or work in:

  • Manchester
  • Trafford
  • Rochdale
  • Bury
  • Tameside
  • Stockport
  • High Peak

Or if you are employed by one of our BEESMART payroll partners:

Or if you are a tenant of:

  • Great Places Housing Group,
  • Irwell Valley Homes,
  • Mosscare St Vincent's Housing
  • Arcon Housing Association

Managing Your Account

Once you have been accepted as a member of Manchester Credit Union, you can register for online access to view your account at any time.

Benefits of Joining

Peace of mind with free savings insurance

Savings insurance is provided by Manchester Credit Union, at no cost to the member. When a member dies, savings are doubled and will be paid to a nominated beneficiary.

Learn more

Take control online and on your mobile

Download our App or visit the members area for quick balance updates, withdrawal requests and loan applications.

Boost your balance with great deals

We help members avoid costly providers by offering competitive and affordable loans- we will beat any personalised quote from other loan providers for loans of £5,000 or over**. Loans can be paid back in a number of ways including Payroll Deduction. Check out our loans calculator for a quick quote.

ENGAGE Classic Account

A further benefit of being a member of Manchester Credit Union is that you can apply for an ENGAGE Classic Account and there are no credit checks required.  It is a reloadable prepaid card and e-account which works just like an account from a high street bank.

Learn more

*using an online anti-money laundering system. In the event of a failed identity check, we may require proof of your current name and address. This is to satisfy FCA & PRA money laundering controls. Terms & Conditions of Membership apply

**minimum rate of 4.5% APR applies

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