Join Our Credit Union & Benefit From Low-Interest Loans

The friendly way to save and borrow, with access to low-interest loans and collection points throughout Fife.

A Financial Cooperative Designed To Benefit All Of Its Member

We have collection points in Cupar, Anstruther, Springfield and Auchtermuchty

Are you looking for a convenient and safe way to save and borrow money without having to deal with the traditional banks and lenders?

​Credit unions are financial co-operatives owned by and for their members. When you join, you acquire the mutual support of all other members, giving you the power to control your own economic future in a way that may not otherwise be possible. The money you save is used to provide loans to other members, meaning it stays in the community where it belongs.

​Like all other credit unions, North East Fife Credit Union is a not-for-profit organisation run by democratically elected volunteers.
We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. We are also affiliated to the Scottish League of Credit Unions, who support and advise us on all governing bodies and changes of rules and regulations. Find out more about us here.

Benefit From Low-Interest Loans

Because a credit union is run by and for its members, all of whom are local people within the community, saving and borrowing with one may be safer than other alternatives. That’s because actively participating in the union encourages members to have mutual respect for their fellow members. Everybody contributes, everyone has a vested interest in the organisation’s success, and as a consequence everybody benefits.

Being non-profit means we can offer low-interest loans. Interest is set by law at a maximum of 12.68% APR, charged at 1% per month. For example, a £1000 loan repaid in 12 monthly instalments would cost just £66.18 in interest!

• Annual dividend, pending profits
• One share costs £1, whether you are buying or selling



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Our low-interest loans are ideal for new members. The maximum first-time loan is £1000 (subject to regular share deposits). An interview is required to receive a loan.