Applying for a loan is quick and simple. Visit our website or App to complete the online application. Make sure you have your identification, bank statements, and address details ready. If you have any questions, our team is here to help.

• This type of loan is covered by the amount of shares you have
• Certain types of loans can be issued at the point of application - on all other applications we aim to have a decision for you our member within 24 hours
• Un-secured Loan. An application form is required to be completed, which will then be handed reviewed by members of the Credit Committee for assessment.
• Photographic ID is always required when applying or collecting a loan

NOTE:

Failure to maintain repayments as per your loan agreement may affect future loans. When repaying your loan you should continue to maintain a savings record.

• In order to qualify to apply for a loan, you must hold a minimum of £100 in your Regular Share account. Photographic ID is required when making any loan application.
• You can apply in branch or online. Bank statements may be required and all loans are subject to credit check.
• This type of loan is covered by the amount of regular shares you have.
• Certain types of loans can be issued at the point of application - on all other applications we aim to have a decision for you our member within 48 hours.
• Un-secured Loan. An application is required to be completed, which will then be reviewed by members of the Lending Assessment team.

NOTE:

Failure to maintain repayments as per your loan agreement may affect future loans. When repaying your loan you should continue to maintain a savings record

Emailing Proof Of Income - please email all proof of income to lendingmanager@ccuni.org

Yes, before a loan is issued you must pay any interest owing on the account at point of issue.

Savings in a Credit Union are known as “shares”. Each share represents £1.00 in savings and is used as security against a loan. Regular savings will build up a substantial share capital for you and security for the future. One of the main aims of a Credit Union is to encourage members to develop the habit of regular savings. For the individual the advantages of building up savings are obvious. These savings may be planned for something in the future or just for the rainy day. With the Credit Union, the extra benefit is that your savings will be used to make loans available to other members and to yourself.

CCU Limited permits £40,000 as the maximum amount of savings that each member may have. If a member holds an Instant Access Account then the maximum they can hold is £40,000 in their Main Share Account and a maximum of £10,000 in their Instant Access Account a total limit of £50,000.

• Regular savings will build up a substantial share capital for you and security for the future
• Your savings earn dividends which are paid annually.
• The amount of your dividend will depend on:
  
  • The amount of shares you have saved (one share is equal to £1.00)
  • The surplus income available for distribution by your credit union to members
• Free life savings insurance is provided for all members who join before their 70th birthday, are in good health and hold a minimum share balance of £100.
• Your savings are guaranteed under the Financial Services Compensation Scheme (FSCS). The FSCS protect and guarantee your savings up to a maximum value of £85,000. Further information can be obtained from the credit union or visit www.fscs.org.uk.

There are a number of ways you can put money into your Credit Union account:

• Direct debit
• Set up a standing order
• In any of our branches using cash, cheque or debit card.
• By telephone using a debit card
• Online via our website or log on directly to our member area (registration is required)
• Visit www.ccuni.org

*This service is not available for credit cards

• Instant Access Accounts may be opened by anyone holding a full CCU Share Account. (You should note that if a member closes their main Savings Account they must also close their Instant Access Account).
• Members have immediate access to funds held in the Instant Access Account with no penalties incurred.
• The maximum amount that can be saved in an Instant Access Account is £10,000.
• Instant Access Accounts attract the same benefits as the Adult Savings Account including: Any declared Dividends which are paid annually
• Instant Access Accounts are not taken into consideration when assessing a loan application

Ask a member of staff for details on how to open an Instant Access Account

All members have a member number which identifies your name & address. Each member also has a unique CU account number for their loan, share and current accounts.

There are a number of ways you can lodge funds into your CU account as follows:

• By direct debit
• Set up a standing order from your bank account to sort code: 95-91-18 and your credit union account number* (not member number).
• At any of the credit union branches using cash, cheque or a debit card
• By telephone using a debit card
• Pay online via our website: www.ccuni.org sort code: 95-91-18 and your credit union account number* (not member number).
• Log onto the member area of the website to pay directly - A unique PIN is required
• To request a PIN simply go online, or telephone 02890 322507 or contact our Member Service Manager Dionne by email: customerservicemanager@ccuni.org.

*These details are available by contacting any of our branches

This account is available to children from birth to age 15. Can only be opened by a parent or legal guardian on behalf of the minor.

The parent or guardian can make withdrawals from the minor account if the child is less than 7 years old, after that age both minor and parent signatures are required.

The minor and their parent or guardian must bring either of the following identification should they wish to make a withdrawal or close the account:

• Parent/Legal Guardian - Photographic ID
• Minor - Passport

Annual interest is payable on the account.

Savings limited to a maximum of £5,000.

At the age of 16, the minor account will be reclassified to an adult account but will remain frozen until you provide proof of address and photographic identification.

You cannot apply for a loan until you reach the age of 18.

The minor and their parent or guardian must bring the following identification should they wish to make a withdrawal or close the account:

• Parent/Legal Guardian - Photographic ID
• Minor - The minor must be present to sign if aged 7 years or above

• A “COMPREHENSIVE” Banking Service.
• Loans at an affordable rate of Interest - Tailored to suit your needs.
• Saving Accounts for Adults and Children
• Direct Debit & Standing Order
• Commission “Free” Foreign Exchange

• “Free” Loan Protection Insurance.
• “Free” Life Saving Insurance
• “Free” Death Benefit Insurance - Currently paying £2000 to your Next of Kin (T&C’s) Apply

Under 16 Years?

• Children aged between 0-15 are not restricted to join through Area Qualification. Any Child can join CCU!
• Children aged between 0-11 years receive a small welcome pack.
• Children aged between 11-17 years receive a FREE £5.00 deposit.

It's never to soon to teach your children to save!

Open Your Account Now

To become a member you will need to compete an application form which is available from any of our branches or download your application form by clicking the link below.

Once completed please call at any of our offices at any specifies times, you will be required to produce:

1. Photographic Identification.
2. Proof Of Address (dated within the last 3 months)
3. £12.00 to deposit.

(please see the acceptable forms of I.D. on the application pack)

CCU is a “not for profit” financial co-operative owned by its member for its members.

We are dedicated to serve our members in our common bond.

For more information on Membership email: info@ccuni.org

Incorporating Belfast City & Royal Group of Hospitals
(Please see application pack for further details)

Not used your account in a while? Think you may have previously held an account?

If you have not used your account in sometime, or think you previously held an account with CCU, there is a chance you may have a dormant account with us. Dormant accounts are classified as any account which has no member generated transactions in the last 3 years.

When an account becomes dormant, your shares remain in the Credit Union and continue to earn dividend on an annual basis. However, members will be unable to withdraw from their savings, lodge into their savings or apply for a new loan until they reactivate their account.

CCU is required by law to collect documentation to verify our members’ identity and their residential address. In order to comply with this requirement, we require up to date documentation before reactivating an account. Please see below for more information regarding the reactivation process.

Re-activate Account

If you would like to reactivate your account, we require the following:

• We need you to complete our Member Information Update Form
• We need you to provide one valid ID (please see the Acceptable Documentation section)
• We need you to provide one valid proof of address document (please see the Acceptable Documentation section)
• We need you to complete one transaction on your account (lodgement or withdrawal)

As soon as this is completed, your account will be re-activated, and you will have full access to CCU services again.

Close Your Account

You can choose to withdraw your savings and close your dormant account if it is no longer needed. To do this, you will need to call into one of CCU’s branches with a valid photographic ID.

Please see the Acceptable Documentation section for more information on which documents we can accept.

Transfer Your Account

If you have moved from the area and have an account with another Credit Union, we are able to liaise with this Credit Union and transfer your savings across.

You must first provide the Credit Union with the required documentation and then request that they contact CCU Credit Union for a transfer request.

An e-statement is an electronic version of your bank statement. It is formatted as a traditional bank statement, but is available as a portable document format file (PDF) via our website.

E-statements more secure than receiving a statement via traditional mail. The statement is stored on our secure servers and is only accessible via online banking. We will alert you via email when your statement is ready to view. Your statements are available as soon as they are generated instead of needing to wait for mail delivery.

You can Opt-In for e-statements from the Online Banking module within your members area. Once you are in Online Banking, click in Subscription Services, select Yes, I wish to opt-in for Electronic Statements and click the Submit button.

Since the e-statement is provided to you as portable document format (PDF) file, you can use your PDF viewer software to save a copy of the statement to your local computer. You can then back it up electronically for archival purposes. You can also print the statement on your local computer and archive the paper copy of you wish. As with all online banking and personal information, you should ensure your computer is secured.

Yes. The e-statement is delivered to you as a PDF file which you can print on your local printer.

You will need a PDF viewer program. You probably already have one installed. The most commonly used program is Adobe Acrobat reader. This are available to download for free from their makers' respective sites.

Adobe Acrobat Reader is one example of a PDF reader program. In order to view your e-statements you will need this or another PDF reader program installed on your computer. These programs are generally available for free download via the web.

You can download Adobe Acrobat reader from the Adobe website.

If you want a paper statement, simply contact the office, and we can have one posted to you.