Quidsin Credit Union logo

A different kind of banking
Lady holding a baby
Who can join?

Anyone who lives or works in the borough of Bolton is eligible to join Quids In Bolton Credit Union. You do not have to be in employment and a poor credit history is also no barrier to becoming a member. As a member you will have a vote at the Annual General Meeting and even have the opportunity to become part of the management of the credit union.

Why Join Quids In Bolton Credit Union?

When you join a credit union you become a member of one of the fastest growing financial movements in the world with over 100 million members in 36,000 credit unions in 80 countries.
The benefits of membership include:

  • Helps you build a nest egg for the future

  • Your savings are protected just as in a bank or building society

  • Gives you access to loans at competitive rates (see our lending page)

  • Interest is paid on the reducing balance - the earlier you repay your loan the cheaper it will be

  • No hidden charges for early payment

  • By saving regularly you can create your own history for lending purposes

  • A friendly personal service from our team

  • Free Insurance on your savings and loans - unique to credit unions



How do I join?
In order to join you must be over 16 years of age, fill out an application form and provide us with the appropriate identification documentation. If you cannot provide identification documentation e.g. if you do not have a passport or driving licence or any recent bills, please contact us as we may be able to prove your identity in other ways.

Where can I join the Credit Union?
We cannot join people at a distance. You must meet one of our team who will check your documents and confirm your identity.

Call the office to talk to one of our team, who will be happy to help you and will give you information on our local joining points.

How much does it cost to join?
There is a one-off membership fee of £2 and you will have to pay £1 to start your savings plan. A minimum of £1 must be held in your account to keep it open.
There are no subsequent fees.

Junior Savers
We welcome applications from children under 16 years of age.
In order to encourage junior savers to save, a maximum of 12 withdrawals may be made in one year. Up to the age of 10 a guardian must co-sign any withdrawal. After that it is up to each junior saver to manage their own account. We believe that this is the best way to teach young people the value of money and the importance of saving and budgeting.

On reaching 16 years of age junior savers automatically become full members of the credit union, but they cannot get a loan until they reach 18 years of age.

Membership Forms and Information
The following forms and information sheets can be downloaded here using Adobe Acrobat Reader, which may be downloaded for free.

You must bring your application form, along with your identification documents, to the office on Mawdsley St. or to one of our joining points.