Can I Join
Supporting the Police Family since 1989
We are a ‘member owned’ financial services company exclusively serving the law enforcement community in Scotland. To see if you qualify to join thousands of your colleagues and their families who save and borrow sensibly with their Credit Union, scroll down to see our common bond!
Can I Join
The Scottish Police Credit Union is here to help support the financial wellbeing of the Police Family in Scotland. Our membership consists of currently serving and retired police officers and staff from Police Scotland, BTP and their families, including kids accounts, however we also provide services for their supporting partners and other public safety organisations including a limited number from the Scottish Crime Campus at Gartcosh!
Salary deduction is available should you have a PSI Number meaning you can save directly from your monthly wages! If you do not have a PSI Number we can set up a Direct Debit with a choice of four payment dates to suit you.
Membership Eligibility
If you, or your colleagues are currently employed by any of the organisations below then you can join SPCU today.
Salary Deduction
Police Scotland
British Transport Police
Scottish Police Authority
Scottish Criminal Records Office
Scottish Police Federation
Direct Debit
Police Treatment Centre Auchterarder (PTC)
Scottish Police Recreation Association (SPRA)
Ministry of Defence Police (MOD)
Civil Nuclear Constabulary (CNC)
Police Investigations & Review Commissioner (PIRC)
National Crime Agency (NCA)
Scottish Crime Campus Gartcosh (SCC):
- His Majesty’s Revenue and Customs
- Crown Office and Procurator Fiscal Service
- Fire Scotland
- Scottish Ambulance Service
- UK Border Force (UKBF)
- Home Office Immigration and Enforcement (HOIE)
- Department of Work and Pensions (DWP)
- Scottish Environment Protection Agency
- Driver & Vehicle Standards Agency
- Food Standards Agency
- Security Industry Authority (SIA)
Our Common Bond
To qualify for membership with the Credit Union you must fall within our Common Bond.
Admission to membership of the Credit Union is restricted to:
7(1) An individual who follows, or has retired from, the occupations in the following groups:
a) Police Officer
b) Police Support Staff
c) Police Staff Associations’ Employees
d) Special Constables and Traffic Wardens
7(2) A body corporate, an individual in his / her capacity as a partner in a partnership, an individual in his / her capacity as an officer or member of the governing body of an unincorporated association, if the body corporate, partnership or unincorporated association:
– requires it to employ or otherwise engage persons who follow the above occupations
– relates to the above occupations in the following way: provides services related to the above occupations
7(3) An individual who is employed by the Scottish Police Credit Union Limited.
7(4) An individual who is a member of the same household as, and is a relative of, an individual who is a member of the credit union and falls directly within a common bond specified above.
7(5) An individual who is otherwise associated with members of the Police service by being an adult or junior member of the Police Scotland Youth Volunteer Scheme
7(6) An individual who is employed by one of the following agencies and is based within the Scottish Crime Campus at Gartcosh:
- His Majesty’s Revenue and Customs
- Crown Office and Procurator Fiscal Service
- Fire Scotland
- Scottish Ambulance Service
- UK Border Force (UKBF)
- Home Office Immigration and Enforcement (HOIE)
- Department of Work and Pensions (DWP)
- Scottish Environment Protection Agency
- Driver & Vehicle Standards Agency
- Food Standards Agency
- Security Industry Authority (SIA)
Frequently asked questions
Yes, providing they reside at the same address as an eligible member. Proof of residence and identification must accompany all family member applications. More information can be found here.
Yes. This can be done by registering for online services via the ‘Login’ tab at the top of the page or through our mobile app. You will need to select the ‘Activate Account’ button. When your account has been activated you will be able to view your account balances, make withdrawals and apply for loans. And don’t worry if you have forgotten your member number as we have a ‘Login Help’ button for this too.
Under regulatory legislation we are required, along with other financial institutions such as your bank, to know our customer. Please note, serving police officers and police staff who can pay by salary deduction are not required to provide this documentation.
Yes. Our Common Bond allows those who retire from or leave the service to continue in membership if they so wish, however if you leave the force and close your account with us, you may not be eligible to rejoin.
The only fee an SPCU member ever has to pay is a one-off £5 joining fee which is donated to our charity, The Scottish Police Credit Union Foundation.
Yes you can. Go to the ‘Login’ button at the top right of this page and select ‘Login Help’, this will help you recover your member number and reset your password.
A common bond is the shared characteristic that unites members of a credit union or co-operative bank. It is a way to build trust and solidarity among members. There are different types of common bonds, such as:
- Geography – People who live in the same area
- Occupation – People who work in the same industry
- Employers – People who work for the same company
- Membership organisations – People who belong to the same club or association
