Finance for everyone

Pioneer Mutual Credit Union is a not-for-profit financial services co-operative run to the benefit of our members

Our credit union was established in 1993 and we have been previously known as East Renfrewshire Credit Union. Since we first opened our doors we have gone from strength to strength and have established ourselves as a vital service in our local communities. We have proved that we can provide high quality, accessible and low-cost financial services.

Our members are at the heart of everything we do, and we are here to ensure that everyone has access to affordable finance.

When you join Pioneer Mutual Credit Union you gain access to a whole range of benefits. These are:


  • Free Life Savings and Loan Protection (terms and conditions apply)
  • Eligibility to join the Pioneer Mutual Lottery
  • Complimentary Mortgage Advice through Money Sense Matters
  • Access to low interest loans
  • Access to our flexible loan terms


What is a credit union?
Our Common Bond

Pioneer Mutual have one of the largest common bonds in Scotland. Our common bond grants 1.8 million residents’ access to our financial services.

Are you eligible to join Pioneer Mutual Credit Union?

You must be an individual who resides in or is employed in the postcode areas beginning:

  • G1 – G90
  • PA1 – PA98
  • ML1 – ML12

If you are joining us because you are employed in one of these areas, please note that we will require proof of your employment by way of a payslip with your employer’s address.

Find out if you can become a member today through our common bond map.

Women in Finance Charter